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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 March 2026
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Insurance & Mortgage Solutions Ltd (FRN 403733) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Insurance & Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Insurance & 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.
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No website on the FCA register
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Phone number
-
Address
88 High Street, Thame, Oxen, OX9 3EH, United Kingdom
In the full report: 2 background checks
- What kind of line 01844 261249 is
- Who else gives the postcode OX9 3EH
Other names (4)
If you were contacted under any of these names, it is this firm.
- Independent Insurance Solutions Trading name: A name it trades under now.
- Independent Mortgage Solutions Ltd Former name: A name it was registered under before.
- Ivona Lord Former name: A name it was registered under before.
- Ivona Lord Independent Mortgage Solutions Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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
- 11846687 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 February 2019 (7 years old)
- Registered office
- 88 High Street, Thame, Oxon, OX9 3EH, United Kingdom
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sarah Jayne Lister | Director | Mar 1984 | 26 Feb 2019 | None |
| Ivona Maria Lord | Director | Apr 1967 | 26 Feb 2019 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£173k
+13% from £153k
Cash at bank
£96.1k
No earlier figure to compare
Owed within a year
£25.4k
−16% from £30.1k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2022 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.
Accounts filed at Companies House for company 11846687. 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
Insurance & Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2024
26 January 2024
- Changed its registered name from "Independent Mortgage Solutions Ltd"
FCA register
2019
4 June 2019
- Changed its registered name from "Ivona Lord"
FCA register
26 February 2019
- Incorporated at Companies House
- Ivona Maria Lord took control (75–100% of shares)
Companies House
2014
25 February 2014
- Changed its registered name from "Ivona Lord Independent Mortgage Solutions"
FCA register
2004
31 October 2004
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (6 shown here)
- Every director appointment and resignation: 2
Firms connected to Insurance & Mortgage Solutions
Other FCA-listed firms that share a director, phone number or address with Insurance & Mortgage Solutions. 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
Firms like Insurance & Mortgage Solutions
Other firms of the same type (financial adviser), nearest first.
In the Oxford (OX) postcode area
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 Insurance & Mortgage Solutions
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
- 5 years of accounts, charted
- All 11 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Insurance & Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Insurance & Mortgage Solutions?
What is Insurance & Mortgage Solutions’ phone number?
Is Insurance & Mortgage Solutions a scam or clone?
Is my money safe with Insurance & Mortgage Solutions?
Who owns Insurance & Mortgage Solutions?
Who runs Insurance & Mortgage Solutions?
How long has Insurance & Mortgage Solutions been in business?
What do Insurance & Mortgage Solutions’ latest accounts show?
Does Insurance & Mortgage Solutions 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