Vizion Mortgages Ltd

Reference number: 930408

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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

Sesame Limited Reference number: 150427 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.
  • Vizion Mortgages Ltd (FRN 930408) is an AR of Sesame Limited (FRN 150427). When you use Vizion Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vizion 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

    07809 251703

  • Address

    Room 73, Wrest House, Wrest Park, Silsoe, Bedford, Central Bedfordshire, MK45 4HR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07809 251703 is, and the other firm that gives it
  • Who else gives the postcode MK45 4HR
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Other names (2)

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

  • Amanda Saville Mortgages Trading name
  • Sara Owen's Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
09642377
Company status
Active
Company type
Private limited company
Incorporated
16 June 2015 (11 years old)
Registered office
Room 73, Wrest House Wrest Park, Silsoe, Bedford, MK45 4HR, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig Matthew Woulds Director Oct 1986 16 Jun 2015 1 other company
Carol Woulds Secretary Not published 5 Dec 2022 –

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

16 months to 31 October 2025Small company accountsNot audited

Net assets

£9,695

Up £9,292 from £403

Cash at bank

£24.8k

−11% from £27.8k

Employees (average)

6

+20% from 5

Owed within a year

£23.6k

+29% from £18.3k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09642377. 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

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

Key events (3) All events (6)

2020

22 July 2020

  • Became an appointed representative

FCA register

2016

6 April 2016

  • Craig Matthew Woulds took control (75–100% of shares)

Companies House

2015

16 June 2015

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Vizion Mortgages

Other FCA-listed firms that share a director, phone number or address with Vizion Mortgages. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Vizion Mortgages

Other firms of the same type (mortgage adviser or broker), nearest first.

In Bedford

Alun WatsonBedfordAppointed representativeDarren ArdenBedfordAppointed representativeEnhanced Business Finance LtdBedfordAppointed representativeEveryday Mortgages LtdBedfordAppointed representativeHarjinder AtwalBedfordAppointed representativeInitial Mortgage Solutions LtdBedfordAppointed 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 Vizion Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Vizion Mortgages Ltd FCA authorised?
Vizion Mortgages Ltd (FRN 930408) 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 Vizion 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. Vizion Mortgages Ltd (FRN 930408) is an AR of Sesame Limited (FRN 150427). When you use Vizion Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vizion 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 Vizion Mortgages’ phone number?
The FCA register lists the phone number 07809 251703 for Vizion Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Vizion Mortgages a scam or clone?
Vizion 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 Vizion Mortgages?
Protection works through Sesame Limited, the principal firm responsible for Vizion Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vizion Mortgages?
Companies House lists one person with significant control of Vizion Mortgages: Mr Craig Matthew Woulds (75–100% of shares).
Who runs Vizion Mortgages?
Companies House lists one director of Vizion Mortgages: Craig Matthew Woulds.
How long has Vizion Mortgages been in business?
The company was formed on 16 June 2015.
What do Vizion Mortgages’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £9,695 (up £9,292 from £403) and cash at bank of £24.8k (−11% from £27.8k).
Does Vizion Mortgages use any other names?
It trades as Amanda Saville Mortgages and Sara Owen's Mortgages.

Sources and links

The full report on Vizion Mortgages Ltd

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