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 under a year
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £9,670 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.
- Keystone Mortgages Ltd (FRN 1044795) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Keystone Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Keystone 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
16 Commerce Square, Nottingham, NG1 1HS, United Kingdom
In the full report: 2 background checks
- What kind of line 0115 686 0787 is
- Who else gives the postcode NG1 1HS
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
- 13087745 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 December 2020 (5 years old)
- Registered office
- 16 Commerce Square, Nottingham, NG1 1HS, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Karolina Bradley | Director | Jun 1983 | 17 Dec 2020 | 1 other company |
| Mathew Robert Bradley | Director | Jun 1979 | 17 Dec 2020 | 1 other company |
| Richard Anthony Nadin | Director | Apr 1980 | 1 Oct 2025 | 1 other company |
| Mathew Robert Bradley | Secretary | Not published | 18 Oct 2025 | – |
Other companies run by these 3 directors
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 companies
- 2
- still active
- 2
- is FCA-registered
- 1
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- The 1 company these 3 directors run together
Filed accounts and finances
Total equity
−£9,670
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£10.2k
No earlier figure to compare
Total equity is negative: on its last balance sheet the company owed £9,670 more than it owned.
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 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 13087745. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Keystone Mortgages’s history from the FCA register and Companies House, newest first.
2025
20 November 2025
- Became an appointed representative
FCA register
1 October 2025
- Karolina Bradley stopped being a part-owner
- Richard Anthony Nadin stopped being a part-owner
Companies House
19 September 2025
- Richard Anthony Nadin became a part-owner (25–50% of shares)
Companies House
2020
17 December 2020
- Incorporated at Companies House
- Karolina Bradley became a part-owner (25–50% of shares)
- Mathew Robert Bradley became the majority owner (50–75% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Keystone Mortgages
Other FCA-listed firms that share a director, phone number or address with Keystone Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 1
- share its postcode
- 3
In the full report: all 4 connected firms, named
- How each is linked: shared directors (1), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Keystone Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Nottingham
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 Keystone Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 11 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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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