Zest Mortgage Solutions Ltd

Reference number: 1045725

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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

HL Partnership Limited Reference number: 303397 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.
  • Zest Mortgage Solutions Ltd (FRN 1045725) is an AR of HL Partnership Limited (FRN 303397). When you use Zest Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Zest Mortgage Solutions, 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

    0116 261 2888

  • Address

    165 Loughborough Road, Leicester, Leicester, LE4 5LR, United Kingdom

In the full report: 2 background checks

  • What kind of line 0116 261 2888 is
  • Who else gives the postcode LE4 5LR
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Other names (1)

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

  • Zest Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
14971182
Company status
Active
Company type
Private limited company
Incorporated
30 June 2023 (3 years old)
Registered office
165 Loughborough Road, Leicester, Leicestershire, LE4 5LR, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Dharmesh Vaghela Director Jun 1969 30 Jun 2023 3 other companies
Dharmesh Vaghela Secretary Not published 30 Jun 2023 –

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 companies
3
closed down
1
still active
2

In the full report: all 3 companies, 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

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£21

Down £8 from £29

Employees (average)

0

Same as 0

Owed within a year

£700

Up £576 from £124

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 14971182. 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

Zest Mortgage Solutions’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2025

18 November 2025

  • Became an appointed representative

FCA register

2023

30 June 2023

  • Incorporated at Companies House
  • Dharmesh Vaghela took control (75–100% of shares)

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 Zest Mortgage Solutions

Other FCA-listed firms that share a director, phone number or address with Zest Mortgage Solutions. 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
Instant PDF download

Firms like Zest Mortgage Solutions

Other firms of the same type (insurance broker), nearest first.

In Leicester

Albany Insurance Brokers LimitedLeicesterAppointed representativeAncasure LtdLeicesterAppointed representativeAsttor LimitedLeicesterAppointed representativeBespoke Benefit Solutions LimitedLeicesterAppointed representativeBradcaster Insurance Brokers LtdLeicesterAppointed representativeBrokerbility Information Gateway LtdLeicesterAppointed 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 Zest Mortgage Solutions

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 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 Zest Mortgage Solutions Ltd FCA authorised?
Zest Mortgage Solutions Ltd (FRN 1045725) 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 Zest Mortgage Solutions?
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. Zest Mortgage Solutions Ltd (FRN 1045725) is an AR of HL Partnership Limited (FRN 303397). When you use Zest Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Zest Mortgage Solutions, 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 Zest Mortgage Solutions’ phone number?
The FCA register lists the phone number 0116 261 2888 for Zest Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Zest Mortgage Solutions a scam or clone?
Zest Mortgage Solutions 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 Zest Mortgage Solutions?
Protection works through HL Partnership Limited, the principal firm responsible for Zest Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Zest Mortgage Solutions?
Companies House lists one person with significant control of Zest Mortgage Solutions: Mr Dharmesh Vaghela (75–100% of shares).
Who runs Zest Mortgage Solutions?
Companies House lists one director of Zest Mortgage Solutions: Dharmesh Vaghela.
How long has Zest Mortgage Solutions been in business?
The company was formed on 30 June 2023.
What do Zest Mortgage Solutions’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £21 (down £8 from £29).
Does Zest Mortgage Solutions use any other names?
It trades as Zest Mortgages.

Sources and links

The full report on Zest Mortgage Solutions Ltd

£19.99 · Instant PDF download

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