Capital Mortgage Advice Ltd

Reference number: 1063179

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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.

Responsible principal firm

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Capital Mortgage Advice Ltd (FRN 1063179) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Capital Mortgage Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Capital Mortgage Advice, 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

    07920 025705

  • Address

    153 Springwood, Cardiff, Cardiff, CF23 6UF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07920 025705 is
  • Who else gives the postcode CF23 6UF
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Other names (1)

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

  • Mortgage Affordability Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
17371265
Company status
Active
Company type
Private limited company
Incorporated
30 July 2026 (less than a year old)
Registered office
153 Springwood, Cardiff, CF23 6UF, Wales
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Phillip James John Wakeling-Smith Director Aug 1986 30 Jul 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Capital Mortgage Advice’s history from the FCA register and Companies House, newest first.

2026

22 September 2026

  • Became an appointed representative
  • Began trading as "Mortgage Affordability"

FCA register

30 July 2026

  • Incorporated at Companies House
  • Phillip James John Wakeling-Smith took control (75–100% of shares)
  • Phillip James John Wakeling-smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Capital Mortgage Advice

Other firms of the same type (insurance broker), nearest first.

In Cardiff

Absolutely No Nonsense Admin LtdCardiffAppointed representativeDVA Healthcare Solutions LtdCardiffAppointed representativeSonovate LimitedCardiffAppointed representativeAfendi Partnership LtdCardiffAppointed representativeAlexanders Financial Advisory LtdCardiffAppointed representativeBPR Protect LimitedCardiffAppointed representative

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 Capital Mortgage Advice

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
  • All 5 events in its history

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Frequently asked questions about this firm

Is Capital Mortgage Advice Ltd FCA authorised?
Capital Mortgage Advice Ltd (FRN 1063179) 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 Capital Mortgage Advice?
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. Capital Mortgage Advice Ltd (FRN 1063179) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Capital Mortgage Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Capital Mortgage Advice, 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 Capital Mortgage Advice’s phone number?
The FCA register lists the phone number 07920 025705 for Capital Mortgage Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Capital Mortgage Advice a scam or clone?
Capital Mortgage Advice 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 Capital Mortgage Advice?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Capital Mortgage Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Capital Mortgage Advice?
Companies House lists one person with significant control of Capital Mortgage Advice: Mr Phillip James John Wakeling-Smith (75–100% of shares).
Who runs Capital Mortgage Advice?
Companies House lists one director of Capital Mortgage Advice: Phillip James John Wakeling-Smith.
How long has Capital Mortgage Advice been in business?
The company was formed on 30 July 2026.
Does Capital Mortgage Advice use any other names?
It trades as Mortgage Affordability.

Sources and links

The full report on Capital Mortgage Advice Ltd

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