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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 October 2025
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
- Citrine Mortgages Limited (FRN 927595) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Citrine Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Citrine 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.
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No website on the FCA register
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Phone number
-
Address
39 St. Laurence Way, Bidford-on-Avon, Alcester, B50 4FG, United Kingdom
In the full report: 2 background checks
- What kind of line 07792 073909 is
- Who else gives the postcode B50 4FG
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 12616327 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 May 2020 (6 years old)
- Registered office
- 39 St. Laurence Way, Bidford-On-Avon, Alcester, B50 4FG, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicole Florence Dawe | Director | Dec 1985 | 21 May 2020 | None |
| Joanne Louise Haddock | Director | Apr 1984 | 4 Jan 2021 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£13.7k
−4.2% from £14.3k
Cash at bank
£35.0k
+145% from £14.3k
Employees (average)
0
Same as 0
Owed within a year
£26.6k
Up £24.7k from £1,918
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 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 12616327. 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
Citrine Mortgages’s history from the FCA register and Companies House, newest first.
2021
30 June 2021
- Joanne Louise Haddock became a part-owner (25–50% of shares)
Companies House
2020
10 June 2020
- Became an appointed representative
FCA register
21 May 2020
- Incorporated at Companies House
- Nicole Florence Dawe took control (75–100% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Citrine Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Alcester
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 Citrine Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 7 events in its history
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Frequently asked questions about this firm
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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