Kays Mortgage Solutions Ltd
Reference number: 923353
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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
Openwork Limited Reference number: 408285 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.
- Kays Mortgage Solutions Ltd (FRN 923353) is an AR of Openwork Limited (FRN 408285). When you use Kays Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Kays 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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Phone number
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Address
15 Alexander Drive, Milnrow, Rochdale, Lancs, OL16 3LY, United Kingdom
In the full report: 3 background checks
- When kays-solutions.co.uk first appeared online, and whether it can receive email
- What kind of line 07949 173818 is
- Who else gives the postcode OL16 3LY
Other names (1)
If you were contacted under any of these names, it is this firm.
- Pamela Kay Ogden Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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
- 17035266 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 February 2026 (less than a year old)
- Registered office
- 15 Alexander Drive, Milnrow, Rochdale, OL16 3LY, England
- Nature of business
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- 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 |
|---|---|---|---|---|
| Pamela Kay Ogden | Director | Mar 1960 | 16 Feb 2026 | 1 other company |
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 company
- 1
- closed down
- 1
In the full report: all 1 company, 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
Key dates in its history
Kays Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2026
5 May 2026
- Changed its registered name from "Pamela Kay Ogden"
FCA register
16 February 2026
- Incorporated at Companies House
- Pamela Kay Ogden took control (75–100% of shares)
- Pamela Kay Ogden appointed as a director
Companies House
2020
26 March 2020
- Became an appointed representative
- Began trading as "Kays Mortgage Solutions"
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms like Kays Mortgage Solutions
Other firms of the same type (insurance broker), nearest first.
In Rochdale
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 Kays Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Kays Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Kays Mortgage Solutions?
What is Kays Mortgage Solutions’ phone number and website?
Is Kays Mortgage Solutions a scam or clone?
Is my money safe with Kays Mortgage Solutions?
Who owns Kays Mortgage Solutions?
Who runs Kays Mortgage Solutions?
How long has Kays Mortgage Solutions been in business?
Does Kays 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