CFS Mortgage Specialists Limited

Reference number: 1015634

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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

Optimum Commercial Solutions Ltd Reference number: 808754 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.
  • CFS Mortgage Specialists Limited (FRN 1015634) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use CFS Mortgage Specialists's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CFS Mortgage Specialists, 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 799622

  • Address

    19 Geneva Way, Biddulph, Stoke-On-Trent, Staffordshire, ST8 7FE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07570 799622 is
  • Who else gives the postcode ST8 7FE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Optimum Commercial Solutions Ltd, 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
15623052
Company status
Active
Company type
Private limited company
Incorporated
6 April 2024 (2 years old)
Registered office
11 Brambling Drive, Heysham, Morecambe, LA3 2LH, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Harm Daniel Dokter Director Nov 1997 6 Apr 2024 1 other company
Hugh James Dokter Director Mar 1972 6 Apr 2024 1 other company

Other companies run by these 2 directors

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

−£210

No earlier figure to compare

Owed within a year

£1,525

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £210 more than it owned.

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 15623052. Figures are exactly as filed; nothing is estimated.

Key dates in its history

CFS Mortgage Specialists’s history from the FCA register and Companies House, newest first.

2024

2 July 2024

  • Became an appointed representative

FCA register

6 April 2024

  • Incorporated at Companies House
  • Harm Daniel Dokter became a part-owner (25–50% of shares)
  • Hugh James Dokter became a part-owner (25–50% of shares)
  • Harm Daniel Dokter appointed as a director
  • Hugh James Dokter appointed as a director

Companies House

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

Firms connected to CFS Mortgage Specialists

Other FCA-listed firms that share a director, phone number or address with CFS Mortgage Specialists. 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
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Firms like CFS Mortgage Specialists

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

In Stoke-On-Trent

Boardman Financial LimitedStoke-on-TrentAppointed representativeCasa Mortgage And Protection LtdStoke-On-TrentAppointed representativeCavalier Financial SolutionsStoke-on-TrentAppointed representativeFoden Mortgage Solutions LimitedStoke-On-TrentAppointed representativeKeeley BarberStoke-On-TrentAppointed representativeMoyat Financial Services LimitedStoke-On-TrentAppointed 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 CFS Mortgage Specialists

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is CFS Mortgage Specialists Limited FCA authorised?
CFS Mortgage Specialists Limited (FRN 1015634) 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 CFS Mortgage Specialists?
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. CFS Mortgage Specialists Limited (FRN 1015634) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use CFS Mortgage Specialists's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CFS Mortgage Specialists, 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 CFS Mortgage Specialists’ phone number?
The FCA register lists the phone number 07570 799622 for CFS Mortgage Specialists. If you were given different contact details, use these to check with the firm before going any further.
Is CFS Mortgage Specialists a scam or clone?
CFS Mortgage Specialists 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 CFS Mortgage Specialists?
Protection works through Optimum Commercial Solutions Ltd, the principal firm responsible for CFS Mortgage Specialists's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CFS Mortgage Specialists?
Companies House lists 2 people with significant control of CFS Mortgage Specialists: Mr Harm Daniel Dokter (25–50% of shares) and Mr Hugh James Dokter (25–50% of shares).
Who runs CFS Mortgage Specialists?
Companies House lists 2 directors of CFS Mortgage Specialists: Harm Daniel Dokter and Hugh James Dokter.
How long has CFS Mortgage Specialists been in business?
The company was formed on 6 April 2024.
What do CFS Mortgage Specialists’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£210 (no earlier figure to compare).

Sources and links

The full report on CFS Mortgage Specialists Limited

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