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 22 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 July 2025
Responsible principal firm
2 Plan Wealth Management Limited Reference number: 461598 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.
- BH Financial & Mortgage Solutions Limited (FRN 403109) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use BH Financial & Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from BH Financial & 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.
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No website on the FCA register
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Phone number
-
Address
40 Donside Street, Aberdeen, Aberdeenshire, AB24 2PJ, United Kingdom
In the full report: 2 background checks
- What kind of line 07799 138350 is
- Who else gives the postcode AB24 2PJ
Other names (1)
If you were contacted under any of these names, it is this firm.
- BH Financial & Mortgage Solutions Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through 2 Plan Wealth Management 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
- SC270814 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 July 2004 (22 years old)
- Registered office
- 40 Donside Street, Aberdeen, AB24 2PJ, Scotland
- Nature of business
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- Life insurance (SIC 65110)
- Life reinsurance (SIC 65201)
- Pension funding (SIC 65300)
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stuart Rae | Director | Oct 1967 | 28 Jul 2017 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Total equity
£16.3k
−33% from £24.3k
Employees (average)
2
Same as 2
Owed within a year
£17.6k
+24% from £14.1k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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 SC270814. 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
BH Financial & Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2024
6 February 2024
- Changed its registered name from "BH Financial & Mortgage Solutions Ltd"
FCA register
2023
1 September 2023
- Caron Brand became a part-owner (25–50% of shares)
Companies House
2019
20 August 2019
- Karen Hopkins stopped being a part-owner
- Stuart Rae became a part-owner (25–50% of shares)
Companies House
2017
28 March 2017
- William Hopkins stopped being a part-owner
Companies House
2016
16 July 2016
- Karen Hopkins became a part-owner (25–50% of shares)
- William Hopkins became a part-owner (25–50% of shares)
Companies House
2004
23 August 2004
- Became an appointed representative
FCA register
16 July 2004
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (9 shown here)
- Every director appointment and resignation: 5
Firms connected to BH Financial & Mortgage Solutions
Other FCA-listed firms that share a director, phone number or address with BH Financial & 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
Firms like BH Financial & Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Aberdeen
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 BH Financial & Mortgage Solutions
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 14 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Does BH Financial & Mortgage Solutions use any other names?
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