First Stop Mortgages & Protection NI Limited

Reference number: 617038

Instant download

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

First Complete Limited Reference number: 435779 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 Stop Mortgages & Protection NI Limited (FRN 617038) is an AR of First Complete Limited (FRN 435779). When you use First Stop Mortgages & Protection NI's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from First Stop Mortgages & Protection NI, 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

    07743 522189

  • Address

    Mayfair Business Centre, Portadown, Craigavon, BT62 1HA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07743 522189 is
  • Who else gives the postcode BT62 1HA
Instant PDF download
Other names (9)

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

  • First Stop Solution NI Ltd Former name
  • First Stop Solutions NI Ltd Former name
  • Jim Smyth Former name
  • First Stop Solution Former trading name
  • First Stop Solution NI Former trading name
  • KMC Mortgages & Protection Former trading name
  • Legacy Advice Mortgage & Protection Former trading name
  • Legacy Advice Mortgages & Protection Former trading name
  • NT Financial Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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 name
FIRST STOP MORTGAGES & PROTECTION NI LTD
Company number
NI639180
Company status
Active
Company type
Private limited company
Incorporated
17 June 2016 (10 years old)
Registered office
Unit J, Mayfair Business Centre, Portadown, Co. Armagh, BT62 1HA, Northern Ireland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Smyth Director Jan 1980 17 Jun 2016 3 other companies
Simon Smyth Director May 1987 17 Jun 2016 3 other companies

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 companies
3
still active
3
run together
3

In the full report: all 3 companies, 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 3 companies these 2 directors run together
Instant PDF download

Filed accounts and finances

Year to 30 June 2025Abridged accountsNot audited

Net assets

£1,512

Up £1,112 from £400

Cash at bank

£18.0k

−23% from £23.4k

Employees (average)

7

+17% from 6

Assets and liabilities

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
Instant PDF download
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 NI639180. 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 Stop Mortgages & Protection NI’s history from the FCA register and Companies House, newest first.

Key events (8) All events (22)

2021

13 August 2021

  • Smyth Group (N.I) Limited took control (75–100% of shares)

Companies House

2019

15 March 2019

  • Changed its registered name from "First Stop Solution NI Ltd"

FCA register

2017

8 September 2017

  • Changed its registered name from "First Stop Solutions NI Ltd"

FCA register

2016

25 October 2016

  • Changed its registered name from "Jim Smyth"

FCA register

17 June 2016

  • Incorporated at Companies House
  • James Smyth gained significant control
  • Simon Smyth gained significant control

Companies House

2014

11 March 2014

  • Became an appointed representative

FCA register

In the full report: all 22 events

  • All 22 events in its history (8 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to First Stop Mortgages & Protection NI

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like First Stop Mortgages & Protection NI

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

In Craigavon

Alison HughesCraigavonAppointed representativeAshley FarrellCraigavonAppointed representativeBrendan HeadleyCraigavonAppointed representativeCMC Advice LtdCraigavonAppointed representativeDMC Financial Services (NI) LimitedCraigavonAppointed representativeElite Mortgages N.I. LimitedCraigavonAppointed 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 Stop Mortgages & Protection NI

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is First Stop Mortgages & Protection NI Limited FCA authorised?
First Stop Mortgages & Protection NI Limited (FRN 617038) 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 Stop Mortgages & Protection NI?
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 Stop Mortgages & Protection NI Limited (FRN 617038) is an AR of First Complete Limited (FRN 435779). When you use First Stop Mortgages & Protection NI's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from First Stop Mortgages & Protection NI, 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 Stop Mortgages & Protection NI’s phone number?
The FCA register lists the phone number 07743 522189 for First Stop Mortgages & Protection NI. If you were given different contact details, use these to check with the firm before going any further.
Is First Stop Mortgages & Protection NI a scam or clone?
First Stop Mortgages & Protection NI 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 Stop Mortgages & Protection NI?
Protection works through First Complete Limited, the principal firm responsible for First Stop Mortgages & Protection NI's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns First Stop Mortgages & Protection NI?
First Stop Mortgages & Protection NI is owned by Smyth Group (N.I) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 August 2021.
Who runs First Stop Mortgages & Protection NI?
Companies House lists 2 directors of First Stop Mortgages & Protection NI: James Smyth and Simon Smyth.
How long has First Stop Mortgages & Protection NI been in business?
The company was formed on 17 June 2016.
What do First Stop Mortgages & Protection NI’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £1,512 (up £1,112 from £400) and cash at bank of £18.0k (−23% from £23.4k).
Does First Stop Mortgages & Protection NI use any other names?
It has previously used 9 other names, including First Stop Solution NI Ltd, First Stop Solutions NI Ltd and Jim Smyth.

Sources and links

The full report on First Stop Mortgages & Protection NI Limited

£19.99 · Instant PDF download

Loading secure checkout…