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.
- Appointed for 8 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 28 February 2026
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
- Full Circle Mortgages Ltd (FRN 807589) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Full Circle Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Full Circle 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.
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No website on the FCA register
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Phone number
-
Address
2 Ffordd Yr Hen-Dai, Canton, Cardiff, CF11 8FJ, United Kingdom
In the full report: 2 background checks
- What kind of line 07841 951415 is
- Who else gives the postcode CF11 8FJ
Other names (3)
If you were contacted under any of these names, it is this firm.
- A & K Dacey Ltd Former name: A name it was registered under before.
- Full Circle Mortgages Limited Former name: A name it was registered under before.
- Reliable Adviser Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 10613348 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 February 2017 (9 years old)
- Registered office
- 2 Ffordd Yr Hen-Dai, Canton, Cardiff, CF11 8FJ, Wales
- Nature of business
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- Security and commodity contracts dealing activities (SIC 66120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Michael Dacey | Director | Jan 1972 | 10 Feb 2017 | None |
| Kayleigh Dacey | Director | May 1987 | 10 Feb 2017 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Total equity
£9,104
−66% from £27.1k
Employees (average)
2
Same as 2
Owed within a year
£5,782
−40% from £9,561
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
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 10613348. 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
Full Circle Mortgages’s history from the FCA register and Companies House, newest first.
2025
18 March 2025
- Changed its registered name from "Full Circle Mortgages Limited"
FCA register
2023
1 February 2023
- Changed its registered name from "A & K Dacey Ltd"
FCA register
2018
26 April 2018
- Became an appointed representative
FCA register
2017
10 February 2017
- Incorporated at Companies House
- Andrew Michael Dacey became a part-owner (25–50% of shares)
- Kayleigh Dacey became a part-owner (25–50% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 2
Firms like Full Circle Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Cardiff
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 Full Circle 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
- 7 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Full Circle Mortgages?
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Is my money safe with Full Circle Mortgages?
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Who runs Full Circle Mortgages?
How long has Full Circle Mortgages been in business?
What do Full Circle Mortgages’ latest accounts show?
Does Full Circle Mortgages use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk