First In Mortgages Ltd

Reference number: 747028

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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.
  • First In Mortgages Ltd (FRN 747028) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use First In Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from First In 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.

  • No website on the FCA register

  • Phone number

    07788 148737

  • Address

    11, Androvan Court, Hollybush Road, Cardiff, Cardiff, CF23 6TF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07788 148737 is
  • Who else gives the postcode CF23 6TF
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Other names (1)

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

  • Viva Retirement Solutions Former trading 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
10124431
Company status
Active
Company type
Private limited company
Incorporated
14 April 2016 (10 years old)
Registered office
11 Androvan Court Hollybush Road, Cyncoed, Cardiff, CF23 6TF, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Marc Desmond Greenhough Director Aug 1966 14 Apr 2016 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 30 April 2025Micro-entity accountsNot audited

Net assets

£41.6k

−13% from £47.6k

Employees (average)

2

Same as 2

Owed within a year

£6,446

+5.4% from £6,114

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 10124431. 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

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

Key events (4) All events (7)

2016

13 May 2016

  • Became an appointed representative

FCA register

14 April 2016

  • Incorporated at Companies House
  • Marc Desmond Greenhough became a part-owner (25–50% of shares)
  • Tracey Jayne Greenhough became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like First In Mortgages

Other firms of the same type (mortgage adviser or broker), nearest first.

In Cardiff

Bocc Finance LimitedCardiffAppointed representativeCeltic Finance LtdCardiffAppointed representativeColin MorganCardiffAppointed representativeComplex Capital LimitedCardiffAppointed representativeDJC Financial Solutions LtdCardiffAppointed representativeEzra Finance LtdCardiffAppointed 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 First In 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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is First In Mortgages Ltd FCA authorised?
First In Mortgages Ltd (FRN 747028) 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 First In 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. First In Mortgages Ltd (FRN 747028) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use First In Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from First In 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 First In Mortgages’ phone number?
The FCA register lists the phone number 07788 148737 for First In Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is First In Mortgages a scam or clone?
First In 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 First In Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for First In Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns First In Mortgages?
Companies House lists 2 people with significant control of First In Mortgages: Mrs Tracey Jayne Greenhough (25–50% of shares) and Mr Marc Desmond Greenhough (25–50% of shares).
Who runs First In Mortgages?
Companies House lists one director of First In Mortgages: Marc Desmond Greenhough.
How long has First In Mortgages been in business?
The company was formed on 14 April 2016.
What do First In Mortgages’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £41.6k (−13% from £47.6k).
Does First In Mortgages use any other names?
It has previously used the name Viva Retirement Solutions.

Sources and links

The full report on First In Mortgages Ltd

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