Caroline Seddon

Reference number: 1051491

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Appointed representative

Caroline Seddon does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • Caroline Seddon (FRN 1051491) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Caroline Seddon's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Caroline Seddon, 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

    07570 111070

  • Address

    Unit 1, Mersey House, 140 Speke Road, Garston, Liverpool, Liverpool, L19 2PH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07570 111070 is
  • Who else gives the postcode L19 2PH
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Other names (1)

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

  • Caroline Seddon Mortgages 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.

Key dates in its history

Caroline Seddon’s history from the FCA register and Companies House, newest first.

2026

11 March 2026

  • Became an appointed representative
  • Began trading as "Caroline Seddon Mortgages"

FCA register

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

Firms connected to Caroline Seddon

Other FCA-listed firms that share a director, phone number or address with Caroline Seddon. 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
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Firms like Caroline Seddon

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

In Liverpool

Abode Financial Services LimitedLiverpoolAppointed representativeChristopher Brian PeakeLiverpoolAppointed representativeCRC Mortgages LtdLiverpoolAppointed representativeFrank McCannLiverpoolAppointed representativei4 Finance LimitedLiverpoolAppointed representativeIan BurkeLiverpoolAppointed 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 Caroline Seddon

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

  • 2 background checks on its contact details
  • All 2 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Caroline Seddon FCA authorised?
Caroline Seddon (FRN 1051491) 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 Caroline Seddon?
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. Caroline Seddon (FRN 1051491) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Caroline Seddon's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Caroline Seddon, 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 Caroline Seddon’s phone number?
The FCA register lists the phone number 07570 111070 for Caroline Seddon. If you were given different contact details, use these to check with the firm before going any further.
Is Caroline Seddon a scam or clone?
Caroline Seddon 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 Caroline Seddon?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Caroline Seddon's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Caroline Seddon use any other names?
It trades as Caroline Seddon Mortgages.

Sources and links

The full report on Caroline Seddon

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