Kersworthy Mortgage Services Limited

Reference number: 1040405

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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.
  • Kersworthy Mortgage Services Limited (FRN 1040405) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Kersworthy Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kersworthy Mortgage Services, 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

    07973 978032

  • Address

    41 Molesworth Street, Wadebridge, Cornwall, PL27 7DH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07973 978032 is
  • Who else gives the postcode PL27 7DH
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Other names (1)

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

  • Kersworthy Financial Services Limited Former name

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
16524980
Company status
Active
Company type
Private limited company
Incorporated
17 June 2025 (1 year old)
Registered office
41 Molesworth Street, Wadebridge, PL27 7DH, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Michelle Spear Director Mar 1981 17 Jun 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Kersworthy Mortgage Services’s history from the FCA register and Companies House, newest first.

2025

23 December 2025

  • Changed its registered name from "Kersworthy Financial Services Limited"

FCA register

10 August 2025

  • Became an appointed representative

FCA register

17 June 2025

  • Incorporated at Companies House
  • Michelle Spear took control (75–100% of shares)
  • Michelle Spear appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Kersworthy Mortgage Services

Other firms of the same type (financial adviser), nearest first.

In Wadebridge

Cole Rayment & White Wadebridge LtdWadebridgeAppointed representativePeter WinterWadebridgeAuthorisedProfessional Financial Planning Services (Pfps) LtdWadebridgeAuthorised

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 Kersworthy Mortgage Services

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 5 events in its history

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Frequently asked questions about this firm

Is Kersworthy Mortgage Services Limited FCA authorised?
Kersworthy Mortgage Services Limited (FRN 1040405) 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 Kersworthy Mortgage Services?
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. Kersworthy Mortgage Services Limited (FRN 1040405) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Kersworthy Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kersworthy Mortgage Services, 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 Kersworthy Mortgage Services’ phone number?
The FCA register lists the phone number 07973 978032 for Kersworthy Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Kersworthy Mortgage Services a scam or clone?
Kersworthy Mortgage Services 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 Kersworthy Mortgage Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Kersworthy Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kersworthy Mortgage Services?
Companies House lists one person with significant control of Kersworthy Mortgage Services: Miss Michelle Spear (75–100% of shares).
Who runs Kersworthy Mortgage Services?
Companies House lists one director of Kersworthy Mortgage Services: Michelle Spear.
How long has Kersworthy Mortgage Services been in business?
The company was formed on 17 June 2025.
Does Kersworthy Mortgage Services use any other names?
It has previously used the name Kersworthy Financial Services Limited.

Sources and links

The full report on Kersworthy Mortgage Services Limited

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