Zest Mortgages Ltd
Reference number: 927713
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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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Phone number
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Address
Ludlow House, 41 Ludlow Street, Penarth, Vale of Glamorgan, CF64 1EX, Wales
In the full report: 3 background checks
- When zestmortgages.com first appeared online, and whether it can receive email
- What kind of line 029 2070 1600 is
- Who else gives the postcode CF64 1EX
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (12 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL Advisor
- Acting as a CBTL arranger
- Acting as a CBTL Arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
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
- 11867938 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 March 2019 (7 years old)
- Registered office
- Ludlow House, 41 Ludlow Street, Penarth, CF64 1EX, Wales
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
- Life reinsurance (SIC 65201)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Donna Smart | Director | Dec 1984 | 7 Mar 2019 | None |
| Donna Smart | Secretary | Not published | 7 Mar 2019 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£182k
No earlier figure to compare
Owed within a year
£29.5k
+1.1% from £29.2k
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 11867938. 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 Mortgages’s history from the FCA register and Companies House, newest first.
2023
6 November 2023
- FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)
FCA register
2020
14 September 2020
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2019
7 March 2019
- Incorporated at Companies House
- Donna Smart took control (75–100% of shares)
- Donna Smart appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Zest Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Penarth
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 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
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 6 events in its history
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Frequently asked questions about this firm
Is Zest Mortgages Ltd FCA authorised?
What is Zest Mortgages’ phone number and website?
Is Zest Mortgages a scam or clone?
Is my money safe with Zest Mortgages?
Who owns Zest Mortgages?
Who runs Zest Mortgages?
How long has Zest Mortgages been in business?
What do Zest Mortgages’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk