Clear Mortgage and Protection Solutions Ltd

Reference number: 400831

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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

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.
  • Clear Mortgage and Protection Solutions Ltd (FRN 400831) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Clear Mortgage and Protection Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Clear Mortgage and Protection 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.

  • No website on the FCA register

  • Phone number

    0121 262 4067

  • Address

    The Colmore Building, 20 Colmore Circus Queensway, Birmingham, B4 6AT, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 262 4067 is
  • Who else gives the postcode B4 6AT
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Other names (2)

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

  • Clear Independent Financial Solutions Former name
  • Clear Independent Mortgage and Financial Solutions Ltd 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
05390413
Company status
Active
Company type
Private limited company
Incorporated
11 March 2005 (21 years old)
Registered office
The Colmore Building, 20 Colmore Circus Queensway, Birmingham, B4 6AT, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David Alan Campbell Director Aug 1969 11 Mar 2005 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£610

Down £302 from £912

Employees (average)

1

Same as 1

Owed within a year

£19.1k

+17% from £16.4k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 05390413. 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

Clear Mortgage and Protection Solutions’s history from the FCA register and Companies House, newest first.

2021

25 October 2021

  • Changed its registered name from "Clear Independent Mortgage and Financial Solutions Ltd"

FCA register

2016

6 April 2016

  • David Alan Campbell took control (75–100% of shares)

Companies House

2005

29 April 2005

  • Changed its registered name from "Clear Independent Financial Solutions"

FCA register

11 March 2005

  • Incorporated at Companies House
  • David Alan Campbell appointed as a director

Companies House

2004

11 May 2004

  • Became an appointed representative

FCA register

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

Firms like Clear Mortgage and Protection Solutions

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

In Birmingham

D Gee Mortgages LtdBirminghamAppointed representativeA & S Financial ServicesBirminghamAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAspired Finance LTDBirminghamAppointed representativeBeeline Finance LtdBirminghamAppointed representativeBirmingham Mortgage Hub LimitedBirminghamAppointed 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 Clear Mortgage and Protection Solutions

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
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Clear Mortgage and Protection Solutions Ltd FCA authorised?
Clear Mortgage and Protection Solutions Ltd (FRN 400831) 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 Clear Mortgage and Protection Solutions?
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. Clear Mortgage and Protection Solutions Ltd (FRN 400831) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Clear Mortgage and Protection Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clear Mortgage and Protection 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.
What is Clear Mortgage and Protection Solutions’ phone number?
The FCA register lists the phone number 0121 262 4067 for Clear Mortgage and Protection Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Clear Mortgage and Protection Solutions a scam or clone?
Clear Mortgage and Protection Solutions 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 Clear Mortgage and Protection Solutions?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Clear Mortgage and Protection Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Clear Mortgage and Protection Solutions?
Companies House lists one person with significant control of Clear Mortgage and Protection Solutions: Mr David Alan Campbell (75–100% of shares).
Who runs Clear Mortgage and Protection Solutions?
Companies House lists one director of Clear Mortgage and Protection Solutions: David Alan Campbell.
How long has Clear Mortgage and Protection Solutions been in business?
The company was formed on 11 March 2005.
What do Clear Mortgage and Protection Solutions’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £610 (down £302 from £912).
Does Clear Mortgage and Protection Solutions use any other names?
It has previously used 2 other names: Clear Independent Financial Solutions and Clear Independent Mortgage and Financial Solutions Ltd.

Sources and links

The full report on Clear Mortgage and Protection Solutions Ltd

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