Cupcake Advice Limited

Reference number: 1012355

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • Cupcake Advice Limited (FRN 1012355) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Cupcake Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cupcake Advice, 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

    07782 992023

  • Address

    Unit 704, The Big Peg, 120 Vyse Street, Hockley, Birmingham, Birmingham, B18 6NF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07782 992023 is
  • Who else gives the postcode B18 6NF
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Other names (1)

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

  • Cupcake Mortgage Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group Ltd, 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
15446952
Company status
Active
Company type
Private limited company
Incorporated
27 January 2024 (2 years old)
Registered office
704 The Big Peg, 120 Vyse Street, Birmingham, B18 6NF, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Chung Wai Ivan Chang Director Dec 1972 27 Jan 2024 3 other companies
Pak Lap Lui Director Jul 1971 27 Jan 2024 None
Ho Fong Mak Director Sep 1981 27 Jan 2024 None

Other companies run by these 3 directors

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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

−£6,228

Down £3,063 from −£3,165

Cash at bank

£4,791

−41% from £8,073

Employees (average)

3

Same as 3

Net assets are negative: on its last balance sheet the company owed £6,228 more than it owned.

Assets and liabilities

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 15446952. 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

Cupcake Advice’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2024

23 May 2024

  • Became an appointed representative

FCA register

27 January 2024

  • Incorporated at Companies House
  • Chung Wai Ivan Chang became a part-owner (25–50% of shares)
  • Ho Fong Mak became a part-owner (25–50% of shares)
  • Pak Lap Lui became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Cupcake Advice

Other FCA-listed firms that share a director, phone number or address with Cupcake Advice. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Cupcake Advice

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 Cupcake Advice

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 9 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cupcake Advice Limited FCA authorised?
Cupcake Advice Limited (FRN 1012355) 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 Cupcake Advice?
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. Cupcake Advice Limited (FRN 1012355) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Cupcake Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cupcake Advice, 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 Cupcake Advice’s phone number?
The FCA register lists the phone number 07782 992023 for Cupcake Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Cupcake Advice a scam or clone?
Cupcake Advice 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 Cupcake Advice?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Cupcake Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cupcake Advice?
Companies House lists 3 people with significant control of Cupcake Advice: Chung Wai Ivan Chang (25–50% of shares), Ho Fong Mak (25–50% of shares) and Pak Lap Lui (25–50% of shares).
Who runs Cupcake Advice?
Companies House lists 3 directors of Cupcake Advice: Chung Wai Ivan Chang, Pak Lap Lui and Ho Fong Mak.
How long has Cupcake Advice been in business?
The company was formed on 27 January 2024.
What do Cupcake Advice’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of −£6,228 (down £3,063 from −£3,165) and cash at bank of £4,791 (−41% from £8,073).
Does Cupcake Advice use any other names?
It trades as Cupcake Mortgage.

Sources and links

The full report on Cupcake Advice Limited

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