Key-MS Limited

Reference number: 571340

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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.
  • Key-MS Limited (FRN 571340) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Key-MS's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Key-MS, 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

    023 9257 0877

  • Address

    2 Acorn Gardens, Waterlooville, Hants, PO8 9YT, United Kingdom

In the full report: 2 background checks

  • What kind of line 023 9257 0877 is
  • Who else gives the postcode PO8 9YT
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Other names (3)

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

  • Key Mortgage Solutions Trading name
  • Daniel Lovell Former name
  • Key-MS Ltd 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
09075979
Company status
Active
Company type
Private limited company
Incorporated
9 June 2014 (12 years old)
Registered office
2 Acorn Gardens, Waterlooville, PO8 9YT, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel Brian Lovell Director Sep 1977 9 Jun 2014 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Abridged accountsNot audited

Net assets

£1,608

−43% from £2,801

Cash at bank

£10.9k

+38% from £7,890

Employees (average)

1

−50% from 2

Owed within a year

£9,291

<1% from £9,212

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 09075979. 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

Key-MS’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2026

25 September 2026

  • Daniel Lovell gave up control

Companies House

2025

13 February 2025

  • Changed its registered name from "Key-MS Ltd"

FCA register

2016

6 April 2016

  • Daniel Lovell took control (75–100% of shares)

Companies House

2014

26 August 2014

  • Changed its registered name from "Daniel Lovell"

FCA register

9 June 2014

  • Incorporated at Companies House

Companies House

2011

16 December 2011

  • Became an appointed representative

FCA register

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms like Key-MS

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

In Waterlooville

AFS Southern LtdWaterloovilleAppointed representativeAmore Life LimitedWaterloovilleAppointed representativeAmore Mortgages LimitedWaterloovilleAppointed representativeBaxter Financial Services LtdWaterloovilleAppointed representativeLogical Mortgage Solutions LimitedWaterloovilleAppointed representativeMortgage Oasis LimitedWaterloovilleAppointed 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 Key-MS

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
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Key-MS Limited FCA authorised?
Key-MS Limited (FRN 571340) 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 Key-MS?
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. Key-MS Limited (FRN 571340) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Key-MS's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Key-MS, 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 Key-MS’ phone number?
The FCA register lists the phone number 023 9257 0877 for Key-MS. If you were given different contact details, use these to check with the firm before going any further.
Is Key-MS a scam or clone?
Key-MS 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 Key-MS?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Key-MS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Key-MS?
Companies House lists no one with significant control of Key-MS now. Before that, it was controlled by Mr Daniel Lovell.
Who runs Key-MS?
Companies House lists one director of Key-MS: Daniel Brian Lovell.
How long has Key-MS been in business?
The company was formed on 9 June 2014.
What do Key-MS’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £1,608 (−43% from £2,801) and cash at bank of £10.9k (+38% from £7,890).
Does Key-MS use any other names?
It trades as Key Mortgage Solutions. It has previously used 2 other names: Daniel Lovell and Key-MS Ltd.

Sources and links

The full report on Key-MS Limited

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