VLS Mortgages and More Ltd

Reference number: 726609

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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

TenetLime Limited Reference number: 311266 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.
  • VLS Mortgages and More Ltd (FRN 726609) is an AR of TenetLime Limited (FRN 311266). When you use VLS Mortgages and More's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from VLS Mortgages and More, 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

    01462 711722

  • Address

    33A High Road, Shillington, Hitchin, Bedfordshire, SG5 3LL, United Kingdom

In the full report: 2 background checks

  • What kind of line 01462 711722 is
  • Who else gives the postcode SG5 3LL
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Other names (2)

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

  • WT&P Property Lending Former name
  • WT&P Property Lending Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TenetLime 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 name
VLS MORTGAGES AND MORE LIMITED
Company number
09823280
Company status
Active
Company type
Private limited company
Incorporated
14 October 2015 (11 years old)
Registered office
3 Kensworth Gate 200-204, High Street South, Dunstable, Bedfordshire, LU6 3HS, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Victoria Louise Smith Director Jul 1971 14 Oct 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£313

Up £145 from £168

Cash at bank

£6,164

+22% from £5,072

Employees (average)

5

Same as 5

Owed within a year

£34.7k

+36% from £25.5k

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 09823280. 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

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

2019

8 November 2019

  • Changed its registered name from "WT&P Property Lending Ltd"

FCA register

23 September 2019

  • Joanna Doyle stopped being a part-owner

Companies House

2016

1 July 2016

  • Joanna Doyle became a part-owner (25–50% of shares)
  • Victoria Smith took control (75–100% of shares)

Companies House

2015

14 December 2015

  • Changed its registered name from "WT&P Property Lending"

FCA register

25 November 2015

  • Became an appointed representative

FCA register

14 October 2015

  • Incorporated at Companies House
  • Victoria Louise Smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to VLS Mortgages and More

Other FCA-listed firms that share a director, phone number or address with VLS Mortgages and More. 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
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Firms like VLS Mortgages and More

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

In Hitchin

Equity Release Mortgage Advice LTDHitchinAppointed representativeJKP Financial LtdHitchinAppointed representativeJlm Master Brokers Hitchin LtdHitchinAppointed representativeJLM Mortgage Brokers LtdHitchinAppointed representativeJLM North London LimitedHitchinAppointed representativeJLM Protection LimitedHitchinAppointed 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 VLS Mortgages and More

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 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is VLS Mortgages and More Ltd FCA authorised?
VLS Mortgages and More Ltd (FRN 726609) 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 VLS Mortgages and More?
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. VLS Mortgages and More Ltd (FRN 726609) is an AR of TenetLime Limited (FRN 311266). When you use VLS Mortgages and More's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from VLS Mortgages and More, 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 VLS Mortgages and More’s phone number?
The FCA register lists the phone number 01462 711722 for VLS Mortgages and More. If you were given different contact details, use these to check with the firm before going any further.
Is VLS Mortgages and More a scam or clone?
VLS Mortgages and More 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 VLS Mortgages and More?
Protection works through TenetLime Limited, the principal firm responsible for VLS Mortgages and More's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns VLS Mortgages and More?
Companies House lists one person with significant control of VLS Mortgages and More: Mrs Victoria Smith (75–100% of shares). Before that, it was controlled by Mrs Joanna Doyle.
Who runs VLS Mortgages and More?
Companies House lists one director of VLS Mortgages and More: Victoria Louise Smith.
How long has VLS Mortgages and More been in business?
The company was formed on 14 October 2015.
What do VLS Mortgages and More’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £313 (up £145 from £168) and cash at bank of £6,164 (+22% from £5,072).
Does VLS Mortgages and More use any other names?
It has previously used 2 other names: WT&P Property Lending and WT&P Property Lending Ltd.

Sources and links

The full report on VLS Mortgages and More Ltd

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