UK Independent. Sourced. Primary. · Est. 2024

Appointed Representative 1 Limited | Mortgage Brokers | Colchester | Est. 2015

Appointed Representative 1 Limited is a mortgage brokers registered in Colchester, established 2015. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Mortgage Brokers UNCLAIMED LISTING

Appointed Representative 1 Limited

Mortgage Brokers · Colchester · Est. 2015

11 years
Active Trading
Active
CH Status
09533776
Company No
2024
Accounts to

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Company Registration Details

Registered company nameAppointed Representative 1 Limited
Companies House number09533776 →
Company typePrivate Limited Company (Ltd)
Registered address5 Churchwell Avenue, CO5 9HN
City / RegionColchester
Date incorporated2015
Years trading11 years
CH statusActive
SpecialismRecorded activity: 66220 (activities of insurance agents and brokers)
Index statusClaim this listing →

About Appointed Representative 1 Limited

Founded in 2015, Appointed Representative 1 Limited has been active for 11 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

Colchester accounts for 36 of the 5754 mortgage brokers tracked on this index.

Check the Financial Services Register first: authorisation status, permissions and any trading names the firm uses.

What Mortgage Brokers Do

Mortgage advisers assess affordability, recommend a product and manage the application through to offer. Whole-of-market firms compare products across the full lending landscape, while panel-based firms work from a defined set of lenders.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

Specialist knowledge of niche lenders is what separates firms when an application falls outside standard criteria. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

FCA rules require the fee model, lender-paid, client-paid or both, to be set out before advice proceeds.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.
How much does a mortgage broker charge?
Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.
What documents do I need to provide to a mortgage broker?
The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.
How long does the mortgage process take when using a broker?
Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.
Can a mortgage broker help if I have been declined by a lender?
Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: This page contains publicly available information sourced from the Companies House public register. Kaeltripton.com is a directory service and is not affiliated with Appointed Representative 1 Limited or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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