Cooke Mortgage & Protection Services Ltd

Reference number: 943251

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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.
  • Cooke Mortgage & Protection Services Ltd (FRN 943251) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Cooke Mortgage & Protection Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cooke Mortgage & Protection Services, 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

    07542 127402

  • Address

    52 Ruskin Road, Prestwich, Manchester, Greater Manchester, M25 9GL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07542 127402 is
  • Who else gives the postcode M25 9GL
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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
13082697
Company status
Active
Company type
Private limited company
Incorporated
15 December 2020 (5 years old)
Registered office
52 Ruskin Road, Prestwich, Manchester, M25 9GL, 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
Michelle Louise Cooke Director Apr 1986 15 Dec 2020 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 December 2025Small company accountsNot audited

Total equity

£1,013

Up £679 from £334

Cash at bank

£2,251

Up £1,951 from £300

Employees (average)

1

Same as 1

Owed within a year

£1,863

+24% from £1,504

Assets and liabilities

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
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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 13082697. 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

Cooke Mortgage & Protection Services’s history from the FCA register and Companies House, newest first.

2021

19 January 2021

  • Became an appointed representative

FCA register

2020

15 December 2020

  • Incorporated at Companies House
  • Michelle Louise Cooke took control (75–100% of shares)
  • Michelle Louise Cooke appointed as a director

Companies House

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

Firms like Cooke Mortgage & Protection Services

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

In Manchester

Akbani Financial LtdManchesterAppointed representativeAll Toogether LtdManchesterAppointed representativeAMS IB LimitedManchesterAppointed representativeArn Financial Services LTDManchesterAppointed representativeAscott Life and Health LimitedManchesterAppointed representativeAucteris LimitedManchesterAppointed 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 Cooke Mortgage & Protection Services

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 4 events in its history

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Frequently asked questions about this firm

Is Cooke Mortgage & Protection Services Ltd FCA authorised?
Cooke Mortgage & Protection Services Ltd (FRN 943251) 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 Cooke Mortgage & Protection Services?
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. Cooke Mortgage & Protection Services Ltd (FRN 943251) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Cooke Mortgage & Protection Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cooke Mortgage & Protection Services, 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 Cooke Mortgage & Protection Services’ phone number?
The FCA register lists the phone number 07542 127402 for Cooke Mortgage & Protection Services. If you were given different contact details, use these to check with the firm before going any further.
Is Cooke Mortgage & Protection Services a scam or clone?
Cooke Mortgage & Protection Services 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 Cooke Mortgage & Protection Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Cooke Mortgage & Protection Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cooke Mortgage & Protection Services?
Companies House lists one person with significant control of Cooke Mortgage & Protection Services: Mrs Michelle Louise Cooke (75–100% of shares).
Who runs Cooke Mortgage & Protection Services?
Companies House lists one director of Cooke Mortgage & Protection Services: Michelle Louise Cooke.
How long has Cooke Mortgage & Protection Services been in business?
The company was formed on 15 December 2020.
What do Cooke Mortgage & Protection Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £1,013 (up £679 from £334) and cash at bank of £2,251 (up £1,951 from £300).

Sources and links

The full report on Cooke Mortgage & Protection Services Ltd

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