Initial Mortgage Solutions Ltd: FCA regulated?

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 4 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 May 2025

Responsible principal firm

Sesame Limited Reference number: 150427 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.
Initial Mortgage Solutions Ltd (FRN 975367) is an AR of Sesame Limited (FRN 150427). When you use Initial Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Initial Mortgage Solutions, 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

01234 342066
Address

Whitegates, Church Hill, Ravensden, Bedford, Bedfordshire, MK44 2RL, United Kingdom

In the full report: 2 background checks

What kind of line 01234 342066 is
Who else gives the postcode MK44 2RL

Other names (5)

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

EH Mortgage Solutions Trading name: A name it trades under now.
SJB Mortgage Solutions Trading name: A name it trades under now.
JMH Mortgage Solutions Former trading name: A name it used to trade under.
KAM Mortgage Solutions Former trading name: A name it used to trade under.
OJB Mortgage Solutions Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Sesame 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: 13911288 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 11 February 2022 (4 years old)
Registered office: Whitegates Church Hill, Ravensden, Bedford, MK44 2RL, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Stuart Jeffrey Bolton	Director	Aug 1974	11 Feb 2022	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
closed down: 1
still active: 3

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

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£7,351

−42% from £12.6k

Cash at bank

£3,488

−15% from £4,081

Employees (average)

0

Same as 0

Owed within a year

£5,922

+3.1% from £5,743

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 13911288. 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

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

Key events (3) All events (12)

2022

9 May 2022

Became an appointed representative

FCA register

11 February 2022

Incorporated at Companies House
Stuart Jeffrey Bolton took control (75–100% of shares)

Companies House

In the full report: all 12 events

All 12 events in its history (3 shown here)
Every director appointment and resignation: 1

Firms connected to Initial Mortgage Solutions

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Initial Mortgage Solutions

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

In Bedford

Alun WatsonBedfordAppointed representative Darren ArdenBedfordAppointed representative Enhanced Business Finance LtdBedfordAppointed representative Everyday Mortgages LtdBedfordAppointed representative Harjinder AtwalBedfordAppointed representative Jamie OrtonBedfordAppointed 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 Initial 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
2 background checks on its contact details
All 12 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Initial Mortgage Solutions Ltd FCA authorised?

Initial Mortgage Solutions Ltd (FRN 975367) 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 Initial Mortgage Solutions?

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. Initial Mortgage Solutions Ltd (FRN 975367) is an AR of Sesame Limited (FRN 150427). When you use Initial Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Initial Mortgage Solutions, 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 Initial Mortgage Solutions’ phone number?

The FCA register lists the phone number 01234 342066 for Initial Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Initial Mortgage Solutions a scam or clone?

Initial 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 Initial Mortgage Solutions?

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

Who owns Initial Mortgage Solutions?

Companies House lists one person with significant control of Initial Mortgage Solutions: Mr Stuart Jeffrey Bolton (75–100% of shares).

Who runs Initial Mortgage Solutions?

Companies House lists one director of Initial Mortgage Solutions: Stuart Jeffrey Bolton.

How long has Initial Mortgage Solutions been in business?

The company was formed on 11 February 2022.

What do Initial Mortgage Solutions’ latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £7,351 (−42% from £12.6k) and cash at bank of £3,488 (−15% from £4,081).

Does Initial Mortgage Solutions use any other names?

It trades as EH Mortgage Solutions and SJB Mortgage Solutions. It has previously used 3 other names: JMH Mortgage Solutions, KAM Mortgage Solutions and OJB Mortgage Solutions.