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 18 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 October 2025
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Chelmsford Mortgage Solutions Limited (FRN 490509) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Chelmsford Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Chelmsford 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
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Address
186 Moulsham Street, Chelmsford, Essex, CM2 0LG, United Kingdom
In the full report: 2 background checks
- What kind of line 01245 250008 is
- Who else gives the postcode CM2 0LG
Other names (8)
If you were contacted under any of these names, it is this firm.
- Chelmsford Mortgage Solutions Ltd Former name: A name it was registered under before.
- 'Billericay Mortgage Solutions Former trading name: A name it used to trade under.
- Bishops Stortford Mortgage Solutions Former trading name: A name it used to trade under.
- Colchester Mortgage Solutions Former trading name: A name it used to trade under.
- Herts & Essex Mortgage Solutions Former trading name: A name it used to trade under.
- Later Life Solution Former trading name: A name it used to trade under.
- Protect My Family Former trading name: A name it used to trade under.
- Woodford Mortgage Solutions Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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
- 05254825 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 October 2004 (22 years old)
- Registered office
- Matches the FCA register address ✓
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michelle Olivia Heard | Director | Aug 1972 | 26 Feb 2016 | 2 other companies |
| Anita Cockrell | Secretary | Not published | 29 Aug 2008 | – |
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
- 2
- closed down
- 2
In the full report: all 2 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
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£168k
−17% from £202k
Cash at bank
£31.6k
−45% from £57.9k
Employees (average)
6
+20% from 5
Owed within a year
£7,268
−24% from £9,552
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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 05254825. 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
Chelmsford Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2025
9 September 2025
- Changed its registered name from "Chelmsford Mortgage Solutions Ltd"
FCA register
2023
31 January 2023
- Simon Williams stopped being a part-owner
Companies House
2017
8 November 2017
- Michelle Olivia Heard became a part-owner (25–50% of shares)
- Pau Cockrell gave up control
- Simon Williams became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- Pau Cockrell took control (75–100% of shares)
Companies House
2008
21 October 2008
- Became an appointed representative
FCA register
2004
11 October 2004
- Incorporated at Companies House
Companies House
In the full report: all 29 events
- All 29 events in its history (8 shown here)
- Every director appointment and resignation: 7
Firms like Chelmsford Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Chelmsford
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 Chelmsford Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 29 events in its history
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Frequently asked questions about this firm
Is Chelmsford Mortgage Solutions Limited FCA authorised?
What does appointed representative mean for Chelmsford Mortgage Solutions?
What is Chelmsford Mortgage Solutions’ phone number?
Is Chelmsford Mortgage Solutions a scam or clone?
Is my money safe with Chelmsford Mortgage Solutions?
Who owns Chelmsford Mortgage Solutions?
Who runs Chelmsford Mortgage Solutions?
How long has Chelmsford Mortgage Solutions been in business?
What do Chelmsford Mortgage Solutions’ latest accounts show?
Does Chelmsford 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