Check My Mortgage Ltd: FCA regulated?

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 4 years
Protected through the principal
No FCA actions
Active company since 2021
Accounts filed up to 31 December 2025
On its latest accounts it owed £414 more than it owned

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.
Check My Mortgage Ltd (FRN 971909) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Check My Mortgage's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Check My Mortgage, 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

07368 231380
Address

20 Carver Street, Birmingham, Birmingham, B1 3AS, United Kingdom

In the full report: 2 background checks

What kind of line 07368 231380 is
Who else gives the postcode B1 3AS

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: 13791431 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 December 2021 (4 years old)
Registered office: 20 Carver Street, Birmingham, B1 3AS, England
Nature of business: Activities of mortgage finance companies (SIC 64922)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Narinder Singh Dhoot	Director	Dec 1981	9 Dec 2021	2 other companies
Ravinder Lal	Director	Oct 1985	9 Dec 2021	4 other companies

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 companies: 6
closed down: 1
still active: 5

In the full report: all 6 companies, 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

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

−£414

No earlier figure to compare

Cash at bank

£103

No earlier figure to compare

Employees (average)

0

−100% from 1

Owed within a year

£517

−66% from £1,534

Total equity is negative: on its last balance sheet the company owed £414 more than it owned.

Net assets

In the full report: all 4 years of accounts

Every year from 2022 to 2025
The chart, over every year
Every filed figure, year by year

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 13791431. 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

Check My Mortgage’s history from the FCA register and Companies House, newest first.

2022

13 March 2022

Became an appointed representative

FCA register

2021

9 December 2021

Incorporated at Companies House
Narinder Singh Dhoot became a part-owner (25–50% of shares)
Ravinder Lal became a part-owner (25–50% of shares)
Narinder Singh Dhoot appointed as a director
Ravinder Lal appointed as a director

Companies House

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

Firms connected to Check My Mortgage

Other FCA-listed firms that share a director, phone number or address with Check My Mortgage. 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

Firms like Check My Mortgage

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

In Birmingham

Perk UK LtdBirminghamAppointed representative West Midlands Police FederationBirminghamAppointed representative Alex WongBirminghamAppointed representative Alliance Health PMI LimitedBirminghamAppointed representative Ascent Risk Solutions LimitedBirminghamAppointed representative Ayub ManzoorBirminghamAppointed 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 Check My Mortgage

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

6 other companies its directors have run, named
2 background checks on its contact details
4 years of accounts, charted
All 6 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Check My Mortgage Ltd FCA authorised?

Check My Mortgage Ltd (FRN 971909) 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 Check My Mortgage?

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. Check My Mortgage Ltd (FRN 971909) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Check My Mortgage's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Check My Mortgage, 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 Check My Mortgage’s phone number?

The FCA register lists the phone number 07368 231380 for Check My Mortgage. If you were given different contact details, use these to check with the firm before going any further.

Is Check My Mortgage a scam or clone?

Check My Mortgage 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 Check My Mortgage?

Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Check My Mortgage's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Check My Mortgage?

Companies House lists 2 people with significant control of Check My Mortgage: Mr Narinder Singh Dhoot (25–50% of shares) and Mr Ravinder Lal (25–50% of shares).

Who runs Check My Mortgage?

Companies House lists 2 directors of Check My Mortgage: Narinder Singh Dhoot and Ravinder Lal.

How long has Check My Mortgage been in business?

The company was formed on 9 December 2021.

What do Check My Mortgage’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of −£414 (no earlier figure to compare) and cash at bank of £103 (no earlier figure to compare).