Kingsbridge Mortgage Advice Limited

Reference number: 933674

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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.

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.
  • Kingsbridge Mortgage Advice Limited (FRN 933674) is an AR of The Right Mortgage Limited (FRN 649443). When you use Kingsbridge Mortgage Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kingsbridge Mortgage Advice, 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.

In the full report: 3 background checks

  • When kingsbridgemortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 0117 959 6446 is, and the other firm that gives it
  • Who else gives the postcode BS9 3HQ
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Other names (5)

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

  • Kingsbridge Equity Release Advice Trading name: A name it trades under now.
  • Kingsbridge Personal Insurance Advice Trading name: A name it trades under now.
  • Kingsbridge Specialist Finance Trading name: A name it trades under now.
  • VD Mortgages Trading name: A name it trades under now.
  • Endemeo Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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 status
Active
Company type
Private limited company
Incorporated
27 August 2020 (6 years old)
Registered office
Cornerstone House Midland Way, Thornbury, Bristol, BS35 2BS, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Philippa Oliver Director Mar 1978 6 Sep 2023 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 31 March 2026Micro-entity accountsNot audited

Net assets

£18.8k

−12% from £21.3k

Employees (average)

2

+100% from 1

Owed within a year

£10.3k

−37% from £16.2k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2026
  • 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 12841963. 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

Kingsbridge Mortgage Advice’s history from the FCA register and Companies House, newest first.

2025

17 February 2025

  • Philip John Priest stopped being the majority owner

Companies House

2023

6 September 2023

  • Philippa Oliver took control (75–100% of shares)

Companies House

2020

8 September 2020

  • Became an appointed representative

FCA register

27 August 2020

  • Incorporated at Companies House
  • Philip John Priest became the majority owner (50–75% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Kingsbridge Mortgage Advice

Other FCA-listed firms that share a director, phone number or address with Kingsbridge Mortgage Advice. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Kingsbridge Mortgage Advice

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

In Bristol

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 Kingsbridge Mortgage Advice

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Kingsbridge Mortgage Advice Limited FCA authorised?
Kingsbridge Mortgage Advice Limited (FRN 933674) 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 Kingsbridge Mortgage Advice?
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. Kingsbridge Mortgage Advice Limited (FRN 933674) is an AR of The Right Mortgage Limited (FRN 649443). When you use Kingsbridge Mortgage Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kingsbridge Mortgage Advice, 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 Kingsbridge Mortgage Advice’s phone number and website?
The FCA register lists the phone number 0117 959 6446 and the website kingsbridgemortgages.co.uk for Kingsbridge Mortgage Advice. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Kingsbridge Mortgage Advice a scam or clone?
Kingsbridge Mortgage Advice 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 Kingsbridge Mortgage Advice?
Protection works through The Right Mortgage Limited, the principal firm responsible for Kingsbridge Mortgage Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kingsbridge Mortgage Advice?
Companies House lists one person with significant control of Kingsbridge Mortgage Advice: Mrs Philippa Oliver (75–100% of shares). Before that, it was controlled by Mr Philip John Priest.
Who runs Kingsbridge Mortgage Advice?
Companies House lists one director of Kingsbridge Mortgage Advice: Philippa Oliver.
How long has Kingsbridge Mortgage Advice been in business?
The company was formed on 27 August 2020.
What do Kingsbridge Mortgage Advice’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £18.8k (−12% from £21.3k).
Does Kingsbridge Mortgage Advice use any other names?
It trades as Kingsbridge Equity Release Advice, Kingsbridge Personal Insurance Advice, Kingsbridge Specialist Finance and VD Mortgages. It has previously used the name Endemeo.

Sources and links

The full report on Kingsbridge Mortgage Advice Limited

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