Westmorland Mortgage Advice Centre Limited

Reference number: 947537

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Westmorland Mortgage Advice Centre Limited (FRN 947537) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Westmorland Mortgage Advice Centre's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Westmorland Mortgage Advice Centre, 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.

In the full report: 3 background checks

  • When westmorlandmortgage.co.uk first appeared online, and whether it can receive email
  • What kind of line 01539 733966 is
  • Who else gives the postcode LA9 4BD
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Other names (1)

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

  • Westmorland Mortgage Advice Centre Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
13265819
Company status
Active
Company type
Private limited company
Incorporated
15 March 2021 (5 years old)
Registered office
46 Stramongate, Kendal, LA9 4BD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gemma Mckee Director Apr 1983 15 Mar 2021 None
Mark Andrew Mckee Director Jul 1965 31 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£9,361

Up £9,358 from £3

Cash at bank

£40.8k

+56% from £26.2k

Employees (average)

4

+100% from 2

Owed within a year

£162k

−1.6% from £164k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 13265819. 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

Westmorland Mortgage Advice Centre’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2026

31 March 2026

  • Mark Andrew McKee became a part-owner (25–50% of shares)
  • Moyna Patchett stopped being a part-owner

Companies House

2023

4 December 2023

  • Changed its registered name from "Westmorland Mortgage Advice Centre"

FCA register

2021

19 March 2021

  • Became an appointed representative

FCA register

15 March 2021

  • Incorporated at Companies House
  • Gemma McKee became a part-owner (25–50% of shares)
  • Moyna Patchett became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms like Westmorland Mortgage Advice Centre

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

In Kendal

Eden Mortgages and Protection LtdKendalAppointed representativeLakeland Commercial Finance LtdKendalAppointed representativeStead Mortgages LimitedKendalAppointed representativeLakeland Finance LtdKendalAuthorised

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 Westmorland Mortgage Advice Centre

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
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Westmorland Mortgage Advice Centre Limited FCA authorised?
Westmorland Mortgage Advice Centre Limited (FRN 947537) 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 Westmorland Mortgage Advice Centre?
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. Westmorland Mortgage Advice Centre Limited (FRN 947537) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Westmorland Mortgage Advice Centre's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Westmorland Mortgage Advice Centre, 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 Westmorland Mortgage Advice Centre’s phone number and website?
The FCA register lists the phone number 01539 733966 and the website westmorlandmortgage.co.uk for Westmorland Mortgage Advice Centre. If you were given different contact details, use these to check with the firm before going any further.
Is Westmorland Mortgage Advice Centre a scam or clone?
Westmorland Mortgage Advice Centre 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 Westmorland Mortgage Advice Centre?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Westmorland Mortgage Advice Centre's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Westmorland Mortgage Advice Centre?
Companies House lists 2 people with significant control of Westmorland Mortgage Advice Centre: Mrs Gemma McKee (25–50% of shares) and Mr Mark Andrew McKee (25–50% of shares). Before that, it was controlled by Mrs Moyna Patchett.
Who runs Westmorland Mortgage Advice Centre?
Companies House lists 2 directors of Westmorland Mortgage Advice Centre: Gemma McKee and Mark Andrew McKee.
How long has Westmorland Mortgage Advice Centre been in business?
The company was formed on 15 March 2021.
What do Westmorland Mortgage Advice Centre’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £9,361 (up £9,358 from £3) and cash at bank of £40.8k (+56% from £26.2k).
Does Westmorland Mortgage Advice Centre use any other names?
It has previously used the name Westmorland Mortgage Advice Centre.

Sources and links

The full report on Westmorland Mortgage Advice Centre Limited

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