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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 30 November 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Velvet Mortgage and Insure Services Ltd (FRN 913235) is an AR of First Complete Limited (FRN 435779). When you use Velvet Mortgage and Insure Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Velvet Mortgage and Insure Services, 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
Unit 5, Mitchell Road, Rockingham Speedway,, Corby, Northamptonshire, NN17 5AF, United Kingdom
In the full report: 2 background checks
- What kind of line 01572 360022 is
- Who else gives the postcode NN17 5AF
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete Limited, 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 name
- VELVET MORTGAGE & INSURE SERVICES LTD
- Company number
- 08800561 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 December 2013 (12 years old)
- Registered office
- Ec Accountancy 18 Station Road, Burton Latimer, Kettering, NN15 5NX, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Joanna Maria Streames | Director | Jul 1971 | 3 Dec 2013 | 3 other companies |
| Isabella Moira Streames | Director | Dec 1996 | 13 Mar 2023 | 2 other companies |
Other companies run by these 2 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 3
- closed down
- 2
- run together
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 companies these 2 directors run together
Filed accounts and finances
Net assets
£66.9k
−20% from £83.3k
Employees (average)
3
Same as 3
Owed within a year
£5,732
Up £67.3k from −£61.6k
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 08800561. 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
Velvet Mortgage and Insure Services’s history from the FCA register and Companies House, newest first.
2023
13 March 2023
- Isabella Moira Streames appointed as a director
Companies House
2019
10 September 2019
- Became an appointed representative
FCA register
2013
3 December 2013
- Incorporated at Companies House
- Joanna Maria Streames appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Velvet Mortgage and Insure Services
Other FCA-listed firms that share a director, phone number or address with Velvet Mortgage and Insure Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Velvet Mortgage and Insure Services
Other firms of the same type (insurance broker), nearest first.
In Corby
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 Velvet Mortgage and Insure Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 4 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Velvet Mortgage and Insure Services Ltd FCA authorised?
What does appointed representative mean for Velvet Mortgage and Insure Services?
What is Velvet Mortgage and Insure Services’ phone number?
Is Velvet Mortgage and Insure Services a scam or clone?
Is my money safe with Velvet Mortgage and Insure Services?
Who runs Velvet Mortgage and Insure Services?
How long has Velvet Mortgage and Insure Services been in business?
What do Velvet Mortgage and Insure Services’ latest accounts show?
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