Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2008
- Accounts filed up to 31 January 2026
- On its latest accounts it owed £364 more than it owned
Responsible principal firm
JLM MORTGAGE NETWORK LTD Reference number: 300629 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- UR-Mortgage Limited (FRN 782640) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use UR-Mortgage's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from UR-Mortgage, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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Phone number
-
Address
2 Milton Way, Ettiley Heath, Sandbach, Cheshire East, CW11 3GJ, United Kingdom
In the full report: 2 background checks
- What kind of line 07976 076952 is
- Who else gives the postcode CW11 3GJ
Other names (3)
If you were contacted under any of these names, it is this firm.
- David Dowson Ltd Former name: A name it was registered under before.
- David-Lee Financial Solutions Former trading name: A name it used to trade under.
- UR-Mortgages Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Jlm Mortgage Network Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 06465646 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 January 2008 (18 years old)
- Registered office
- 5 The Quadrant, Coventry, West Midlands, CV1 2EL
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| David Dowson | Director | Sep 1974 | 7 Jan 2008 | None |
| Christine Wigham | Secretary | Not published | 7 Jan 2008 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Total equity
−£364
Down £488 from £124
Cash at bank
£10.4k
−63% from £27.9k
Employees (average)
1
Same as 1
Owed within a year
£13.9k
−54% from £30.2k
Total equity is negative: on its last balance sheet the company owed £364 more than it owned.
Total equity
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 06465646. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
UR-Mortgage’s history from the FCA register and Companies House, newest first.
2019
3 May 2019
- Changed its registered name from "David Dowson Ltd"
FCA register
2017
26 June 2017
- Became an appointed representative
FCA register
2016
6 April 2016
- David Dowson took control (75–100% of shares)
Companies House
2008
7 January 2008
- Incorporated at Companies House
Companies House
In the full report: all 10 events
- All 10 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms like UR-Mortgage
Other firms of the same type (mortgage adviser or broker), nearest first.
In Sandbach
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on UR-Mortgage
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
Is UR-Mortgage Limited FCA authorised?
What does appointed representative mean for UR-Mortgage?
What is UR-Mortgage’s phone number?
Is UR-Mortgage a scam or clone?
Is my money safe with UR-Mortgage?
Who owns UR-Mortgage?
Who runs UR-Mortgage?
How long has UR-Mortgage been in business?
What do UR-Mortgage’s latest accounts show?
Does UR-Mortgage use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk