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 11 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 30 November 2025
- On its latest accounts it owed £4,997 more than it owned
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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 To Mortgages Limited (FRN 660793) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Key To Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Key To Mortgages, 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
44 King Edward Avenue, Bournemouth, Bournemouth,Christchurch,Poole, BH9 1TZ, United Kingdom
In the full report: 2 background checks
- What kind of line 07747 782737 is
- Who else gives the postcode BH9 1TZ
Other names (2)
If you were contacted under any of these names, it is this firm.
- Peter Morgan Former name: A name it was registered under before.
- Key to Financial Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 13768244 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 November 2021 (4 years old)
- Registered office
- 44 King Edward Avenue, Bournemouth, BH9 1TZ, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Peter Morgan | Director | Mar 1971 | 26 Nov 2021 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
−£4,997
−221% from £4,141
Cash at bank
£7,776
−36% from £12.2k
Employees (average)
1
Same as 1
Owed within a year
£12.8k
+58% from £8,060
Net assets are negative: on its last balance sheet the company owed £4,997 more than it owned.
Net assets
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 13768244. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Key To Mortgages’s history from the FCA register and Companies House, newest first.
2022
21 April 2022
- Changed its registered name from "Peter Morgan"
FCA register
2021
26 November 2021
- Incorporated at Companies House
- Peter Morgan took control (75–100% of shares)
Companies House
2014
18 December 2014
- Became an appointed representative
FCA register
In the full report: all 8 events
- All 8 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms like Key To Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bournemouth
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 To Mortgages
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
- 4 years of accounts, charted
- All 8 events in its history
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Frequently asked questions about this firm
Is Key To Mortgages Limited FCA authorised?
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Who runs Key To Mortgages?
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What do Key To Mortgages’ latest accounts show?
Does Key To Mortgages 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