First Mortgage Solutions Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 4 years
Your funds are protected by FSCS
No FCA actions
Active company since 2020
Accounts filed up to 31 March 2025

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.

Website

firstmortgagesolutions.co.uk (opens in a new tab)
Phone number

01639 262222
Address

44 Alfred Street, Neath, Castell-nedd Port Talbot, SA11 1EH, United Kingdom

In the full report: 3 background checks

When firstmortgagesolutions.co.uk first appeared online, and whether it can receive email
What kind of line 01639 262222 is, and the 2 other firms that give it
Who else gives the postcode SA11 1EH

Other names (6)

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

First Commercial Solutions Trading name: A name it trades under now.
First Equity Solutions Trading name: A name it trades under now.
First Protection Solutions Trading name: A name it trades under now.
Jim Kelly Mortgage Services Trading name: A name it trades under now.
First Financial Solutions (Wales) Former trading name: A name it used to trade under.
Lotus Life Review Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 13055116 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 December 2020 (5 years old)
Registered office: 44 Alfred Street, Neath, SA11 1EH, Wales
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Christopher John Davies	Director	Jan 1982	1 Dec 2020	4 other companies

Other companies run by its director

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: 4
still active: 4
is FCA-registered: 1

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£133k

+91% from £69.4k

Employees (average)

6

+20% from 5

Owed within a year

£215k

+70% from £126k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2021 to 2025
The chart, over every year
Every filed figure, year by year

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 13055116. 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 Mortgage Solutions’s history from the FCA register and Companies House, newest first.

Key events (7) All events (19)

2022

21 April 2022

Regulated by the FCA from this date
FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
Became authorised by the FCA

FCA register

17 March 2022

Gareth Llyr Morgan stopped being a part-owner

Companies House

2020

1 December 2020

Incorporated at Companies House
Christopher John Davies took control (75–100% of shares)
Gareth Llyr Morgan became a part-owner (25–50% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (7 shown here)
Every director appointment and resignation: 3

Firms connected to First Mortgage Solutions

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

connected firms: 3
share a director: 1
share its phone number: 2

In the full report: all 3 connected firms, named

How each is linked: shared directors (1), the same phone number (2), the same postcode (3)
Who links each one: the named directors, with dates

Firms like First Mortgage Solutions

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

In the Swansea (SA) postcode area

A M J Mortgage & Protection Advisor LtdHaverfordwestAuthorised Alvechurch Investments LimitedNarberthAuthorised Alyson HortonTenbyAuthorised AsfKidwellyAuthorised Brilliant Mortgages LimitedSwanseaAuthorised Compare Life Insurance LtdSwanseaAuthorised

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 Mortgage Solutions

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

4 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 19 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is First Mortgage Solutions Limited FCA authorised?

Yes, First Mortgage Solutions Limited (FRN 949476) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2022 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is First Mortgage Solutions’ phone number and website?

The FCA register lists the phone number 01639 262222 and the website firstmortgagesolutions.co.uk for First Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.

Is First Mortgage Solutions a scam or clone?

First Mortgage Solutions 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 Mortgage Solutions?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about First Mortgage Solutions to the Financial Ombudsman Service, free of charge.

Who owns First Mortgage Solutions?

Companies House lists one person with significant control of First Mortgage Solutions: Mr Christopher John Davies (75–100% of shares). Before that, it was controlled by Mr Gareth Llyr Morgan.

Who runs First Mortgage Solutions?

Companies House lists one director of First Mortgage Solutions: Christopher John Davies.

How long has First Mortgage Solutions been in business?

The company was formed on 1 December 2020, and has held its current FCA authorisation since April 2022.

What do First Mortgage Solutions’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £133k (+91% from £69.4k).

Does First Mortgage Solutions use any other names?

It trades as First Commercial Solutions, First Equity Solutions, First Protection Solutions and Jim Kelly Mortgage Services. It has previously used 2 other names: First Financial Solutions (Wales) and Lotus Life Review.