Curwins Financial & Mortgage Advisers Ltd

Reference number: 165203

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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.
  • Curwins Financial & Mortgage Advisers Ltd (FRN 165203) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Curwins Financial & Mortgage Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Curwins Financial & Mortgage Advisers, 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

    01752 491111

  • Address

    2 Houldsworth Road, Plymouth, PL9 7PU, United Kingdom

In the full report: 2 background checks

  • What kind of line 01752 491111 is
  • Who else gives the postcode PL9 7PU
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Other names (1)

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

  • Curwins Independent Financial Services 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
08214163
Company status
Active
Company type
Private limited company
Incorporated
13 September 2012 (14 years old)
Registered office
2 Houldsworth Rd, Oreston, Plymouth, Devon, PL9 7PU, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Stokes Director Feb 1969 13 Sep 2012 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£27.6k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£1,990

+93% from £1,032

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 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 08214163. 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

Curwins Financial & Mortgage Advisers’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2021

31 March 2021

  • Andrea Elizabeth Stokes became a part-owner (25–50% of shares)
  • David Winters stopped being a part-owner

Companies House

2016

6 April 2016

  • David Winters became a part-owner (25–50% of shares)
  • Paul Stokes became a part-owner (25–50% of shares)

Companies House

2012

20 September 2012

  • Changed its registered name from "Curwins Independent Financial Services"

FCA register

13 September 2012

  • Incorporated at Companies House

Companies House

1993

11 November 1993

  • Became an appointed representative

FCA register

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 5
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Firms like Curwins Financial & Mortgage Advisers

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

In Plymouth

GJC Advisory LtdPlymouthAppointed representativeSims Financial Management LtdPlymouthAppointed representativeStart Point Ins Solutions LtdPlymouthAppointed representativeInsight Property Claims LtdPlymouthAppointed representativePantaenius U.K. LimitedPlymouthAuthorisedLiberty Insurance Brokers LtdPlymouthAuthorised

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 Curwins Financial & Mortgage Advisers

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
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Curwins Financial & Mortgage Advisers Ltd FCA authorised?
Curwins Financial & Mortgage Advisers Ltd (FRN 165203) 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 Curwins Financial & Mortgage Advisers?
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. Curwins Financial & Mortgage Advisers Ltd (FRN 165203) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Curwins Financial & Mortgage Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Curwins Financial & Mortgage Advisers, 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 Curwins Financial & Mortgage Advisers’ phone number?
The FCA register lists the phone number 01752 491111 for Curwins Financial & Mortgage Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Curwins Financial & Mortgage Advisers a scam or clone?
Curwins Financial & Mortgage Advisers 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 Curwins Financial & Mortgage Advisers?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Curwins Financial & Mortgage Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Curwins Financial & Mortgage Advisers?
Companies House lists 2 people with significant control of Curwins Financial & Mortgage Advisers: Mrs Andrea Elizabeth Stokes (25–50% of shares) and Mr Paul Stokes (25–50% of shares). Before that, it was controlled by Mr David Winters.
Who runs Curwins Financial & Mortgage Advisers?
Companies House lists one director of Curwins Financial & Mortgage Advisers: Paul Stokes.
How long has Curwins Financial & Mortgage Advisers been in business?
The company was formed on 13 September 2012.
What do Curwins Financial & Mortgage Advisers’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £27.6k (no earlier figure to compare).
Does Curwins Financial & Mortgage Advisers use any other names?
It has previously used the name Curwins Independent Financial Services.

Sources and links

The full report on Curwins Financial & Mortgage Advisers Ltd

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