Charnock Mortgages Ltd

Reference number: 971882

Instant download

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.
  • Charnock Mortgages Ltd (FRN 971882) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Charnock Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Charnock Mortgages, 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

    07886 272194

  • Address

    Suite 2, Lesscent House, Bryn, Wigan, WN4 0AR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07886 272194 is
  • Who else gives the postcode WN4 0AR
Instant PDF download
Other names (1)

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

  • Stephen Charnock Former 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
14106810
Company status
Active
Company type
Private limited company
Incorporated
13 May 2022 (4 years old)
Registered office
Suite 2, Lesscent House Wigan Road, Ashton-In-Makerfield, Wigan, WN4 0AR, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Charnock Director Feb 1980 13 May 2022 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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
Instant PDF download

Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

−£3,916

−136% from £10.9k

Employees (average)

2

+100% from 1

Owed within a year

£12.3k

+25% from £9,814

Net assets are negative: on its last balance sheet the company owed £3,916 more than it owned.

Assets and liabilities

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 14106810. 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

Charnock Mortgages’s history from the FCA register and Companies House, newest first.

2024

23 July 2024

  • Changed its registered name from "Stephen Charnock"

FCA register

2022

13 May 2022

  • Incorporated at Companies House
  • Lorraine Crompton became a part-owner (25–50% of shares)
  • Stephen Charnock became a part-owner (25–50% of shares)
  • Stephen Charnock appointed as a director

Companies House

13 March 2022

  • Became an appointed representative
  • Began trading as "Charnock Mortgages"

FCA register

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

Firms like Charnock Mortgages

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

In Wigan

Craig Potter Commercial Finance LimitedWiganAppointed representativeDeborah Jane BoothWiganAppointed representativeL R Finance (North West) LimitedWiganAppointed representativeLarge Financial LtdWiganAppointed representativeMakerfield Mortgages (NW) LtdWiganAppointed representativeMr Stuart John HankinWiganAppointed 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 Charnock Mortgages

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 7 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Charnock Mortgages Ltd FCA authorised?
Charnock Mortgages Ltd (FRN 971882) 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 Charnock Mortgages?
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. Charnock Mortgages Ltd (FRN 971882) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Charnock Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Charnock Mortgages, 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 Charnock Mortgages’ phone number?
The FCA register lists the phone number 07886 272194 for Charnock Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Charnock Mortgages a scam or clone?
Charnock Mortgages 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 Charnock Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Charnock Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Charnock Mortgages?
Companies House lists 2 people with significant control of Charnock Mortgages: Mr Stephen Charnock (25–50% of shares) and Miss Lorraine Crompton (25–50% of shares).
Who runs Charnock Mortgages?
Companies House lists one director of Charnock Mortgages: Stephen Charnock.
How long has Charnock Mortgages been in business?
The company was formed on 13 May 2022.
What do Charnock Mortgages’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of −£3,916 (−136% from £10.9k).
Does Charnock Mortgages use any other names?
It has previously used the name Stephen Charnock.

Sources and links

The full report on Charnock Mortgages Ltd

£19.99 · Instant PDF download

Loading secure checkout…