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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 5 April 2025
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
- Ellis-Ridings Mortgage Solutions Ltd (FRN 1007671) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Ellis-Ridings Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Ellis-Ridings 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.
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No website on the FCA register
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Phone number
-
Address
99b Dartmouth Road, Paignton, Torbay, TQ4 6NF, United Kingdom
In the full report: 2 background checks
- What kind of line 07824 860117 is
- Who else gives the postcode TQ4 6NF
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 15251481 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 November 2023 (2 years old)
- Registered office
- 99b Dartmouth Road, Paignton, Devon, TQ4 6NF, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Ridings | Director | Jul 1986 | 1 Nov 2023 | 1 other company |
| Sarah Helena Ridings | Director | Oct 1987 | 8 Jul 2024 | 1 other company |
Other companies run by these 2 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 company
- 1
- still active
- 1
- run together
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 2 directors run together
Filed accounts and finances
Net assets
£7,333
No earlier figure to compare
Cash at bank
£11.7k
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£16.3k
No earlier figure to compare
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 15251481. 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
Ellis-Ridings Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2023
30 December 2023
- Became an appointed representative
FCA register
1 November 2023
- Incorporated at Companies House
- Michael Ridings took control (75–100% of shares)
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 2
Firms like Ellis-Ridings Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Paignton
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 Ellis-Ridings Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Ellis-Ridings Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Ellis-Ridings Mortgage Solutions?
What is Ellis-Ridings Mortgage Solutions’ phone number?
Is Ellis-Ridings Mortgage Solutions a scam or clone?
Is my money safe with Ellis-Ridings Mortgage Solutions?
Who owns Ellis-Ridings Mortgage Solutions?
Who runs Ellis-Ridings Mortgage Solutions?
How long has Ellis-Ridings Mortgage Solutions been in business?
What do Ellis-Ridings Mortgage Solutions’ latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk