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.
- Appointed for 20 years
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 October 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Xact Mortgages Ltd (FRN 446637) is an AR of First Complete Limited (FRN 435779). When you use Xact Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Xact 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.
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No website on the FCA register
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Phone number
-
Address
36 St. Johns Way, Knowle, Solihull, B93 0LE, United Kingdom
In the full report: 2 background checks
- What kind of line 0121 712 6230 is
- Who else gives the postcode B93 0LE
Other names (3)
If you were contacted under any of these names, it is this firm.
- Xact New Build Mortgages Trading name: A name it trades under now.
- ASL Financial Services Ltd Former name: A name it was registered under before.
- Xact Private Clients Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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, freeYou 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
- 04451514 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 May 2002 (24 years old)
- Registered office
- 36 St. Johns Way, Knowle, Solihull, B93 0LE, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Conor William Brown | Director | Dec 1996 | 19 Oct 2023 | None |
| Jeremy Paul Gibson | Director | May 1973 | 10 Nov 2025 | 87 other companies |
| Mayank Prakash | Director | Jan 1973 | 10 Nov 2025 | 57 other companies |
| Daniel Richard Mumford | Director | Nov 1978 | 12 Dec 2025 | 5 other companies |
| Adam James Smith | Director | Sep 1980 | 12 Dec 2025 | 5 other companies |
Other companies run by these 5 directors
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 companies
- 92
- closed down
- 16
- went insolvent
- 1
In the full report: all 92 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 52 companies these 5 directors run together
- All 11 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£772k
+137% from £325k
Cash at bank
£279k
Up £257k from £22.4k
Owed within a year
£456k
<1% from £454k
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
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.
Accounts filed at Companies House for company 04451514. 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
Xact Mortgages’s history from the FCA register and Companies House, newest first.
2022
29 November 2022
- Xact Homes (Holdings) Ltd gave up control
- Xact Mortgages (Holdings) Ltd took control (75–100% of shares)
Companies House
25 November 2022
- Xact (UK) Group Limited gave up control
- Xact Homes (Holdings) Ltd took control (75–100% of shares)
Companies House
2016
6 April 2016
- Xact (UK) Group Limited took control (75–100% of shares)
Companies House
2006
10 July 2006
- Changed its registered name from "ASL Financial Services Ltd"
FCA register
23 February 2006
- Board replaced: both directors left and 2 new directors took over
Companies House
5 January 2006
- Became an appointed representative
FCA register
2002
30 May 2002
- Incorporated at Companies House
Companies House
In the full report: all 33 events
- All 33 events in its history (9 shown here)
- Every director appointment and resignation: 21
Firms connected to Xact Mortgages
Other FCA-listed firms that share a director, phone number or address with Xact Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3)
- Who links each one: the named directors, with dates
Firms like Xact Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Solihull
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 Xact Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 92 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 33 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk