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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 June 2025
Responsible principal firm
First Mortgage Solutions Limited Reference number: 949476 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.
- Cariad Mortgage Solutions Ltd (FRN 1031774) is an AR of First Mortgage Solutions Limited (FRN 949476). When you use Cariad Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cariad 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
8 Heol Dyfed, Gorseinon, Swansea, Swansea, SA4 4GF, United Kingdom
In the full report: 2 background checks
- What kind of line 07342 039554 is
- Who else gives the postcode SA4 4GF
Other names (2)
If you were contacted under any of these names, it is this firm.
- Cariad Later Life Solutions Trading name: A name it trades under now.
- Cariad Protection Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First 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, 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
- 14972353 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 June 2023 (3 years old)
- Registered office
- 142 Walter Road Swansea, Swansea, SA1 5RW, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bethan Louise Thomas | Director | Jun 1988 | 30 Jun 2023 | 3 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
- 3
- closed down
- 3
In the full report: all 3 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
Filed accounts and finances
Net assets
£1,494
Up £1,394 from £100
Employees (average)
1
No earlier figure to compare
Owed within a year
£377
No earlier figure to compare
Net assets
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 14972353. 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
Cariad Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2025
1 April 2025
- Became an appointed representative
FCA register
2023
30 June 2023
- Incorporated at Companies House
- Bethan Louise Thomas took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 1
Firms like Cariad Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Swansea
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 Cariad Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Cariad Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Cariad Mortgage Solutions?
What is Cariad Mortgage Solutions’ phone number?
Is Cariad Mortgage Solutions a scam or clone?
Is my money safe with Cariad Mortgage Solutions?
Who owns Cariad Mortgage Solutions?
Who runs Cariad Mortgage Solutions?
How long has Cariad Mortgage Solutions been in business?
What do Cariad Mortgage Solutions’ latest accounts show?
Does Cariad 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