GMC Mortgages Ltd

Reference number: 1001792

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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.
  • GMC Mortgages Ltd (FRN 1001792) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use GMC Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from GMC 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

    07378 691999

  • Address

    10 Sandpiper Road, Hawkinge, Folkestone, Kent, CT18 7TA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07378 691999 is
  • Who else gives the postcode CT18 7TA
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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
15018758
Company status
Active
Company type
Private limited company
Incorporated
21 July 2023 (3 years old)
Registered office
10 Sandpiper Road, Hawkinge, Folkestone, CT18 7TA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Brian Carpenter Director Nov 1966 21 Jul 2023 None
Sharon Kim Carpenter Director Aug 1968 21 Sep 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

−£13.1k

Down £6,723 from −£6,329

Employees (average)

3

Same as 3

Owed within a year

£4,228

−5.6% from £4,481

Net assets are negative: on its last balance sheet the company owed £13.1k more than it owned.

Assets and liabilities

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 15018758. 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

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

Key events (7) All events (13)

2026

21 September 2026

  • Graeme McAlpine stopped being a part-owner

Companies House

2025

4 February 2025

  • John Kenneth Greasby stopped being a part-owner

Companies House

2023

12 September 2023

  • Became an appointed representative

FCA register

21 July 2023

  • Incorporated at Companies House
  • Graeme McAlpine became a part-owner (25–50% of shares)
  • John Kenneth Greasby became a part-owner (25–50% of shares)
  • Stephen Brian Carpenter took control (75–100% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms like GMC Mortgages

Other firms of the same type (insurance broker), nearest first.

In Folkestone

Amulet Mortgages LtdFolkestoneAppointed representativeAssociation of Leasehold Enfranchisement Practitioners LimitedFolkestoneAppointed representativeMr Mark AllenFolkestoneAppointed representativeStapley Mortgages LtdFolkestoneAppointed representativeChannel Tunnel Group Ltd (The)FolkestoneAppointed representativeEdgemont Financial Services LimitedFolkestoneAuthorised

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 GMC 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
  • All 13 events in its history

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Frequently asked questions about this firm

Is GMC Mortgages Ltd FCA authorised?
GMC Mortgages Ltd (FRN 1001792) 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 GMC 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. GMC Mortgages Ltd (FRN 1001792) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use GMC Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from GMC 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 GMC Mortgages’ phone number?
The FCA register lists the phone number 07378 691999 for GMC Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is GMC Mortgages a scam or clone?
GMC 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 GMC Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for GMC Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns GMC Mortgages?
Companies House lists one person with significant control of GMC Mortgages: Mr Stephen Brian Carpenter (75–100% of shares). Before that, it was controlled by Mr John Kenneth Greasby and Mr Graeme McAlpine.
Who runs GMC Mortgages?
Companies House lists 2 directors of GMC Mortgages: Stephen Brian Carpenter and Sharon Kim Carpenter.
How long has GMC Mortgages been in business?
The company was formed on 21 July 2023.
What do GMC Mortgages’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of −£13.1k (down £6,723 from −£6,329).

Sources and links

The full report on GMC Mortgages Ltd

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