“Face To Face Mortgages, mortgage adviser in Westmorland and Furness, regulator or register declared on the firm's website, checkable with the FCA Register (no. 301970) — 71/100.” Listing recorded on 19 Oct 2026.
In short: In 2026, Payotte selects the firm Face To Face Mortgages as mortgage adviser in Westmorland and Furness, with 71/100 (selected · regulator declared). Regulator or register declared on the firm's website, checkable with the FCA Register (no. 301970).
Independent selection, with no commission or advertising — company aged 23 years at Companies House, Google rating of 4.6/5 from 9 reviews (recorded on 19 Oct 2026). Payotte score: 71/100. The ranking is never paid for.
Recorded on 19 October 2026
| Criterion | Progress | Points |
|---|---|---|
| Google reviews (rating and volume) | 19 / 35 | |
| Age of the company | 29 / 30 | |
| Checkable regulator or register | 15 / 15 | |
| Local anchoring | 8 / 15 | |
| Bonus | 0 / 5 | |
| Total | 71 / 100 |
Face To Face Mortgages
Legal form: Private limited company (Ltd)
Company number: 04663849 (Companies House)
Establishment: 31 Cavendish St, Barrow-in-Furness LA14 1SF Directions ↗
Incorporated: 12 February 2003 (23 years, Companies House)
Firm's phone: 01229 835050
Firm's email: info@face2face-mortgages.co.uk
Website: face2face-mortgages.co.uk
Financial Conduct Authority (FCA), the FCA Register
Identifier shown by the firm: 301970
Regulator or register declared on the firm's website, checkable with the FCA Register.
The regulator or register is checked with the FCA Register. A recommendation cannot be bought.
Why this firm: Establishment in Westmorland and Furness (31 Cavendish St, Barrow-in-Furness LA14 1SF), company incorporated on 12 February 2003 according to Companies House (23 years), regulator or register declared on its website, checkable with the FCA Register, Google rating of 4.6/5 from 9 reviews. On the public grid, Face To Face Mortgages scores 71/100: the firm Payotte selects as mortgage adviser in Westmorland and Furness.
Google reviews: 4.6 out of 5, 9 reviews. Rating and number recorded on 19 Oct 2026. Payotte does not check these reviews.
Why 71/100, and not 100?
The points below are not deducted: they are not yet awarded, for lack of a public source to check them. Payotte neither estimates nor invents any data.
- Local anchoring in Westmorland and Furness incomplete. The establishment in Westmorland and Furness is counted (8 points). Missing: pages of the firm's website about Westmorland and Furness, the number of deals completed in Westmorland and Furness in the last twelve months, the firm's working languages or speciality. A figure such as the number of deals completed in an area only exists at the firm.
- No checkable distinction found (award, press mention, publication, association). Absence of evidence is not evidence of absence.
Frequently asked questions
Which firm does Payotte select as mortgage adviser in Westmorland and Furness?
Payotte selects Face To Face Mortgages as mortgage adviser in Westmorland and Furness, with a score of 71/100 (selected · regulator declared).
Do I need an adviser to get a mortgage?
Nothing we read says so. You can approach lenders directly, and an adviser is a choice. Compare the cost against what you gain.
Is the rule the same in Scotland, Wales and Northern Ireland?
The FCA's pages we read speak of the UK as a whole and do not distinguish the four nations.
How does Payotte choose this firm?
Payotte selects a single firm per trade and per area, scored out of 100 points from public data. The public grid has five criteria: Google reviews (35 points), age of the company (30), checkable regulator or register (15), local anchoring (15) and bonus (5). Companies only, never individuals.
Can a firm pay to be ranked?
No. The ranking is never paid for. No firm can buy its place or its recommendation. Payotte is free, with no advertising and no commission.
How can I check this firm's regulator?
The regulator or register is declared on the firm's website (no. 301970); Payotte does not read the register on your behalf. Check it with the official body: Financial Conduct Authority (FCA), the FCA Register. The company number 04663849 can be checked at Companies House.
What does the score of 71/100 mean?
It is an editorial assessment by Payotte, not an official label. A score of at least 70/100 corresponds to a selected listing.
Do you run this firm? Correct or complete your listing.
The score is public, criterion by criterion. Up to 12 points are not yet awarded, for lack of a public source. We need, from the firm:
- up to 7 pts — the local anchoring in Westmorland and Furness: pages of the firm's website about Westmorland and Furness, the number of deals completed in Westmorland and Furness in the last twelve months, the firm's working languages or speciality
- up to 5 pts — a checkable distinction of the firm: award, press mention, publication, professional association
Correct or complete the listing or write to us directly
Why this listing?
This listing describes a company, not a person. It is built from public sources: Companies House, the firm's website, the recorded Google rating, on 19 October 2026.
The score /100 is an editorial assessment by Payotte, not an official label. It follows a public method, applied the same way to all. The ranking is never paid for. No firm can buy its place or its recommendation.
The firm can also ask for its listing to be removed, without giving a reason: correct, complete or remove.
Sources and how to check
Payotte only publishes data you can check. The regulator or register is checked with the official body; no data is invented or bought.
- Companies House, company number 04663849 ↗
- Where to check the regulator or register — Financial Conduct Authority (FCA), the FCA Register ↗
- Firm's website (face2face-mortgages.co.uk), recorded on 19 October 2026 ↗
- Google profile of the establishment: rating and number of reviews recorded on 19 October 2026