Fidelity Mortgages Ltd

Reference number: 770962

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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.
  • Fidelity Mortgages Ltd (FRN 770962) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Fidelity Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fidelity Mortgages, 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.

In the full report: 3 background checks

  • When fidelitymortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01375 267222 is
  • Who else gives the postcode RM18 8RH
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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
10554370
Company status
Active
Company type
Private limited company
Incorporated
10 January 2017 (9 years old)
Registered office
42 Copland Road, Stanford-Le-Hope, Essex, SS17 0DF, United Kingdom
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
Lorraine Marie Hornsby Director Apr 1974 10 Jan 2017 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 March 2026Small company accountsNot audited

Net assets

£450

−63% from £1,208

Cash at bank

£24.9k

−36% from £38.8k

Employees (average)

4

−20% from 5

Owed within a year

£35.3k

−16% from £42.1k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 10554370. 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

Fidelity Mortgages’s history from the FCA register and Companies House, newest first.

2017

3 February 2017

  • Became an appointed representative

FCA register

10 January 2017

  • Incorporated at Companies House
  • Lorraine Marie Hornsby took control (75–100% of shares)
  • Lorraine Marie Hornsby appointed as a director

Companies House

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

Firms connected to Fidelity Mortgages

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

connected firms
5
no longer authorised
1
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Fidelity Mortgages

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

In East Tilbury

Arrow Leasehold Management LtdEast TilburyAppointed representativeThe British Institute of Fitted Interiors Specialists LimitedEast TilburyAppointed representative

In the Romford (RM) postcode area

A&H Intermediaries LtdUpminsterAppointed representativeBTJ Mortgages LtdRomfordAppointed representativeCaptain Mortgages LtdDagenhamAppointed representativeConstance Finance LimitedDagenhamAppointed 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 Fidelity Mortgages

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 4 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fidelity Mortgages Ltd FCA authorised?
Fidelity Mortgages Ltd (FRN 770962) 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 Fidelity Mortgages?
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. Fidelity Mortgages Ltd (FRN 770962) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Fidelity Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fidelity Mortgages, 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 Fidelity Mortgages’ phone number and website?
The FCA register lists the phone number 01375 267222 and the website fidelitymortgages.co.uk for Fidelity Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Fidelity Mortgages a scam or clone?
Fidelity Mortgages 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 Fidelity Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Fidelity Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fidelity Mortgages?
Companies House lists one person with significant control of Fidelity Mortgages: Mrs Lorraine Marie Hornsby (75–100% of shares).
Who runs Fidelity Mortgages?
Companies House lists one director of Fidelity Mortgages: Lorraine Marie Hornsby.
How long has Fidelity Mortgages been in business?
The company was formed on 10 January 2017.
What do Fidelity Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £450 (−63% from £1,208) and cash at bank of £24.9k (−36% from £38.8k).

Sources and links

The full report on Fidelity Mortgages Ltd

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