Cosma Mortgage Solutions LTD

Reference number: 1044467

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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

Dragon Brokers Limited Reference number: 599430 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.
  • Cosma Mortgage Solutions LTD (FRN 1044467) is an AR of Dragon Brokers Limited (FRN 599430). When you use Cosma Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cosma 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.

  • No website on the FCA register

  • Phone number

    07404 926353

  • Address

    8 Furzedown, Stevenage, Hertfordshire, SG2 9EN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07404 926353 is
  • Who else gives the postcode SG2 9EN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Dragon Brokers 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
16731567
Company status
Active
Company type
Private limited company
Incorporated
21 September 2025 (1 year old)
Registered office
8 Furzedown, Stevenage, SG2 9EN, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Nilda Simona Cosma Director Sep 1979 21 Sep 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

2025

22 October 2025

  • Became an appointed representative
  • Began trading as "Cosma Mortgage Solutions"

FCA register

21 September 2025

  • Incorporated at Companies House
  • Nilda Simona Cosma took control (75–100% of shares)
  • Nilda Simona Cosma appointed as a director

Companies House

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

Firms like Cosma Mortgage Solutions

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

In Stevenage

Andrew GreenwoodStevenageAppointed representativeCupican LtdStevenageAppointed representativeElderly Life LtdStevenageAppointed representativeMillennium Wealth Management LimitedStevenageAppointed representativeTrustATrader.com LimitedStevenageAppointed representativeRed Brick Management LimitedStevenageAppointed 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 Cosma Mortgage 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
  • All 5 events in its history

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Frequently asked questions about this firm

Is Cosma Mortgage Solutions LTD FCA authorised?
Cosma Mortgage Solutions LTD (FRN 1044467) 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 Cosma Mortgage 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. Cosma Mortgage Solutions LTD (FRN 1044467) is an AR of Dragon Brokers Limited (FRN 599430). When you use Cosma Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cosma 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.
What is Cosma Mortgage Solutions’ phone number?
The FCA register lists the phone number 07404 926353 for Cosma Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Cosma Mortgage Solutions a scam or clone?
Cosma Mortgage 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 Cosma Mortgage Solutions?
Protection works through Dragon Brokers Limited, the principal firm responsible for Cosma Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cosma Mortgage Solutions?
Companies House lists one person with significant control of Cosma Mortgage Solutions: Mrs Nilda Simona Cosma (75–100% of shares).
Who runs Cosma Mortgage Solutions?
Companies House lists one director of Cosma Mortgage Solutions: Nilda Simona Cosma.
How long has Cosma Mortgage Solutions been in business?
The company was formed on 21 September 2025.

Sources and links

The full report on Cosma Mortgage Solutions LTD

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