Frances Rudzki: FCA regulated?

Appointed representative

Frances Rudzki does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Appointed for 9 years
Protected through the principal
No FCA actions

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.
Frances Rudzki (FRN 786456) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Frances Rudzki's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Frances Rudzki, 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

07855 634665
Address

Star Lodge, Montpelier Drive, Cheltenham, Gloucestershire, GL50 1TY, United Kingdom

In the full report: 2 background checks

What kind of line 07855 634665 is
Who else gives the postcode GL50 1TY

Other names (3)

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

The Mortgage Equation Trading name: A name it trades under now.
Fran Coulter Former name: A name it was registered under before.
FRC Financial Planning Former trading name: A name it used to trade under.

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.

Key dates in its history

Frances Rudzki’s history from the FCA register and Companies House, newest first.

Key events (2) All events (5)

2025

24 November 2025

Changed its registered name from "Fran Coulter"

FCA register

2017

10 August 2017

Became an appointed representative

FCA register

In the full report: all 5 events

All 5 events in its history (2 shown here)

Firms connected to Frances Rudzki

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like Frances Rudzki

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

In Cheltenham

Andrew PrescottCheltenhamAppointed representative Aviella Consulting LimitedCheltenhamAppointed representative Ballard Associates LtdCheltenhamAppointed representative BSB Mortgage Advisors LimitedCheltenhamAppointed representative Cheltenham Mortgage Advisers LtdCheltenhamAppointed representative Cornell De Mel Home Finance LtdCheltenhamAppointed 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 Frances Rudzki

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

2 background checks on its contact details
All 5 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Frances Rudzki FCA authorised?

Frances Rudzki (FRN 786456) 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 Frances Rudzki?

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. Frances Rudzki (FRN 786456) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Frances Rudzki's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Frances Rudzki, 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 Frances Rudzki’s phone number?

The FCA register lists the phone number 07855 634665 for Frances Rudzki. If you were given different contact details, use these to check with the firm before going any further.

Is Frances Rudzki a scam or clone?

Frances Rudzki 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 Frances Rudzki?

Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Frances Rudzki's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does Frances Rudzki use any other names?

It trades as The Mortgage Equation. It has previously used 2 other names: Fran Coulter and FRC Financial Planning.