Brighter Mortgage Solutions Group Ltd: FCA regulated?

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 7 years
Protected through the principal
No FCA actions
Active company since 2018
Accounts filed up to 30 September 2025
On its latest accounts it owed £16.6k more than it owned

Responsible principal firm

First Complete Limited Reference number: 435779 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.
Brighter Mortgage Solutions Group Ltd (FRN 828498) is an AR of First Complete Limited (FRN 435779). When you use Brighter Mortgage Solutions Group's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Brighter Mortgage Solutions Group, 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

01832 599007
Address

2 Water Street, Stamford, Lincolnshire, PE9 2NJ, United Kingdom

In the full report: 2 background checks

What kind of line 01832 599007 is
Who else gives the postcode PE9 2NJ

Other names (18)

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

C&D Mortgages & Insurance Trading name: A name it trades under now.
JLH Mortgages Trading name: A name it trades under now.
Brighter Mortgage Solutions Ltd Former name: A name it was registered under before.
EMS Mortgages & Protection Former trading name: A name it used to trade under.
Happinest Independent Mortgage Advice Former trading name: A name it used to trade under.
HJS Mortgages Former trading name: A name it used to trade under.
March Mortgage & Protection Former trading name: A name it used to trade under.
Mortgage Happy Former trading name: A name it used to trade under.
MSR Financial Services Former trading name: A name it used to trade under.
Northside Mortgages and Finance Former trading name: A name it used to trade under.
Prudent Mortgages & Protection Former trading name: A name it used to trade under.
RCS Mortgages Former trading name: A name it used to trade under.
Secure Financial Services Former trading name: A name it used to trade under.
Secure Financial Solutions Former trading name: A name it used to trade under.
Serene Mortgages Former trading name: A name it used to trade under.
The Mortgage & Protection Company Former trading name: A name it used to trade under.
Woodpecker Mortgages Former trading name: A name it used to trade under.
Zebra Mortgages & Protection Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through First Complete 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: 11571172 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 17 September 2018 (8 years old)
Registered office: 2 Water Street, Stamford, PE9 2NJ, England
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Matthew James Southgate Sands	Director	May 1974	17 Sep 2018	2 other companies

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: 2
closed down: 1
is FCA-registered: 1

In the full report: all 2 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
The one on the FCA register

Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

−£16.6k

Down £8,961 from −£7,686

Employees (average)

1

Same as 1

Owed within a year

£34.1k

−17% from £41.4k

Net assets are negative: on its last balance sheet the company owed £16.6k more than it owned.

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 11571172. 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

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

Key events (5) All events (38)

2018

18 December 2018

Changed its registered name from "Brighter Mortgage Solutions Ltd"

FCA register

12 December 2018

Became an appointed representative

FCA register

17 September 2018

Incorporated at Companies House
C & D Group Holdings Limited became a part-owner (25–50% of shares)
Ein Merched Ltd became a part-owner (25–50% of shares)

Companies House

In the full report: all 38 events

All 38 events in its history (5 shown here)
Every director appointment and resignation: 1

Firms connected to Brighter Mortgage Solutions Group

Other FCA-listed firms that share a director, phone number or address with Brighter Mortgage Solutions Group. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share a director: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: shared directors (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Brighter Mortgage Solutions Group

Other firms of the same type (mortgage adviser or broker), nearest first.

In Stamford

Clarity Commercial Finance LimitedStamfordAppointed representative James Murray Financial Services LtdStamfordAppointed representative Pact Finance LtdStamfordAppointed representative Personal Mortgage Solutions LtdStamfordAppointed representative GW Padley Property 4 LimitedStamfordAppointed representative Choicemortgages UK LimitedStamfordAuthorised

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 Brighter Mortgage Solutions Group

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

2 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 38 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Brighter Mortgage Solutions Group Ltd FCA authorised?

Brighter Mortgage Solutions Group Ltd (FRN 828498) 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 Brighter Mortgage Solutions Group?

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. Brighter Mortgage Solutions Group Ltd (FRN 828498) is an AR of First Complete Limited (FRN 435779). When you use Brighter Mortgage Solutions Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Brighter Mortgage Solutions Group, 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 Brighter Mortgage Solutions Group’s phone number?

The FCA register lists the phone number 01832 599007 for Brighter Mortgage Solutions Group. If you were given different contact details, use these to check with the firm before going any further.

Is Brighter Mortgage Solutions Group a scam or clone?

Brighter Mortgage Solutions Group 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 Brighter Mortgage Solutions Group?

Protection works through First Complete Limited, the principal firm responsible for Brighter Mortgage Solutions Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Brighter Mortgage Solutions Group?

Companies House lists 2 people with significant control of Brighter Mortgage Solutions Group: Ein Merched Ltd (25–50% of shares) and C & D Group Holdings Limited (25–50% of shares).

Who runs Brighter Mortgage Solutions Group?

Companies House lists one director of Brighter Mortgage Solutions Group: Matthew James Southgate Sands.

How long has Brighter Mortgage Solutions Group been in business?

The company was formed on 17 September 2018.

What do Brighter Mortgage Solutions Group’s latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of −£16.6k (down £8,961 from −£7,686).

Does Brighter Mortgage Solutions Group use any other names?

It trades as C&D Mortgages & Insurance and JLH Mortgages. It has previously used 16 other names, including Brighter Mortgage Solutions Ltd, EMS Mortgages & Protection and Happinest Independent Mortgage Advice.