Warwickshire Mortgages Ltd

Reference number: 1039575

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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

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
  • Warwickshire Mortgages Ltd (FRN 1039575) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Warwickshire Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Warwickshire 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

    07495 920328

  • Address

    41A Smith Street, Warwick, Warwickshire, CV34 4JA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07495 920328 is
  • Who else gives the postcode CV34 4JA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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
14063851
Company status
Active
Company type
Private limited company
Incorporated
22 April 2022 (4 years old)
Registered office
41a Smith Street, Warwick, CV34 4JA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Krystle-Dawn Ward Director Aug 1988 22 Apr 2022 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 March 2025Small company accountsNot audited

Net assets

£43.9k

−11% from £49.5k

Cash at bank

£60.0k

No earlier figure to compare

Employees (average)

2

+100% from 1

Owed within a year

£16.4k

+49% from £11.0k

Assets and liabilities

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 14063851. 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

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

2025

27 August 2025

  • Became an appointed representative

FCA register

2022

22 April 2022

  • Incorporated at Companies House
  • Krystle-Dawn Ward took control (75–100% of shares)
  • Krystle-Dawn Ward appointed as a director

Companies House

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

Firms like Warwickshire Mortgages

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

In Warwick

Asher YousafWarwickAppointed representativeIMA AssociatesWarwickAppointed representativeInvicta Finance LtdWarwickAppointed representativeManpreet DhesiWarwickAppointed representativeSophie CollettWarwickAppointed representativeJA Financial Services LimitedWarwickAuthorised

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 Warwickshire 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
  • All 4 events in its history

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Frequently asked questions about this firm

Is Warwickshire Mortgages Ltd FCA authorised?
Warwickshire Mortgages Ltd (FRN 1039575) 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 Warwickshire 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. Warwickshire Mortgages Ltd (FRN 1039575) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Warwickshire Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Warwickshire 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 Warwickshire Mortgages’ phone number?
The FCA register lists the phone number 07495 920328 for Warwickshire Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Warwickshire Mortgages a scam or clone?
Warwickshire 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 Warwickshire Mortgages?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for Warwickshire Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Warwickshire Mortgages?
Companies House lists one person with significant control of Warwickshire Mortgages: Krystle-Dawn Ward (75–100% of shares).
Who runs Warwickshire Mortgages?
Companies House lists one director of Warwickshire Mortgages: Krystle-Dawn Ward.
How long has Warwickshire Mortgages been in business?
The company was formed on 22 April 2022.
What do Warwickshire Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £43.9k (−11% from £49.5k) and cash at bank of £60.0k (no earlier figure to compare).

Sources and links

The full report on Warwickshire Mortgages Ltd

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