Vitality Mortgages Ltd.

Reference number: 745821

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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.

Responsible principal firm

The Right Mortgage Limited Reference number: 649443 Authorised 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.
  • Vitality Mortgages Ltd. (FRN 745821) is an AR of The Right Mortgage Limited (FRN 649443). When you use Vitality Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vitality Mortgages, 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.

  • No website on the FCA register

  • Phone number

    07973 720848

  • Address

    Northend House, High Street, Aylburton, Lydney, Gloucestershire, GL15 6BX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07973 720848 is
  • Who else gives the postcode GL15 6BX
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • AROHA Financial Trading name
  • K9 Finance Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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, free
    You 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
09496364
Company status
Active
Company type
Private limited company
Incorporated
18 March 2015 (11 years old)
Registered office
North End House High Street, Aylburton, Lydney, Gloucestershore, GL15 6BX, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Wayne Whitehead Director Jan 1970 18 Mar 2015 None
Natalie Joan Whitehead Director Jan 1982 1 Sep 2017 None
Natalie Joan Whitehead Secretary Not published 18 Mar 2015 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 27 March 2025Micro-entity accountsNot audited

Net assets

£3,189

−20% from £3,967

Owed within a year

£38.4k

No earlier figure to compare

Assets and liabilities

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
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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 09496364. 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

Vitality Mortgages’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2025

16 May 2025

  • Changed its registered name from "Vitality Mortgages Ltd"

FCA register

2016

3 May 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Jason Wayne Whitehead became a part-owner (25–50% of shares)
  • Natalie Joan Whitehead became a part-owner (25–50% of shares)

Companies House

2015

18 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Vitality Mortgages

Other firms of the same type (insurance broker), nearest first.

In the Gloucester (GL) postcode area

HETAS LimitedTewkesburyAppointed representativeSae Health Care Solutions LimitedCheltenhamAppointed representative44 Black Diamonds LtdGloucesterAppointed representativeA H Bryant, J M Hewitt & R J CarterMoreton-in-MarshAppointed representativeA Richardson & N W J VaggesCinderfordAppointed representativeAdvent Broker Services LtdCheltenhamAppointed representative

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 Vitality Mortgages

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 Vitality Mortgages Ltd. FCA authorised?
Vitality Mortgages Ltd. (FRN 745821) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Vitality Mortgages?
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. Vitality Mortgages Ltd. (FRN 745821) is an AR of The Right Mortgage Limited (FRN 649443). When you use Vitality Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vitality Mortgages, 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.
What is Vitality Mortgages’ phone number?
The FCA register lists the phone number 07973 720848 for Vitality Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Vitality Mortgages a scam or clone?
Vitality Mortgages is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Vitality Mortgages?
Protection works through The Right Mortgage Limited, the principal firm responsible for Vitality Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vitality Mortgages?
Companies House lists 2 people with significant control of Vitality Mortgages: Mr Jason Wayne Whitehead (25–50% of shares) and Mrs Natalie Joan Whitehead (25–50% of shares).
Who runs Vitality Mortgages?
Companies House lists 2 directors of Vitality Mortgages: Jason Wayne Whitehead and Natalie Joan Whitehead.
How long has Vitality Mortgages been in business?
The company was formed on 18 March 2015.
What do Vitality Mortgages’ latest accounts show?
Its latest accounts, to 27 March 2025, show net assets of £3,189 (−20% from £3,967).
Does Vitality Mortgages use any other names?
It trades as AROHA Financial. It has previously used the name K9 Finance.

Sources and links

The full report on Vitality Mortgages Ltd.

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