Kirsty Duncombe

Reference number: 1043028

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Appointed representative

Kirsty Duncombe does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • Kirsty Duncombe (FRN 1043028) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Kirsty Duncombe's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kirsty Duncombe, 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

    07925 001224

  • Address

    Unit 3 Dove Court, Aylesbury Road, Aston Clinton, Aylesbury, Buckinghamshire, HP22 5AQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07925 001224 is
  • Who else gives the postcode HP22 5AQ
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Other names (1)

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

  • KD Mortgage Solutions Trading 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.

Key dates in its history

Kirsty Duncombe’s history from the FCA register and Companies House, newest first.

2025

10 October 2025

  • Became an appointed representative
  • Began trading as "KD Mortgage Solutions"

FCA register

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

Firms like Kirsty Duncombe

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

In Aylesbury

Das Financial Solutions LTDAylesburyAppointed representativeDiscovery Mortgage Services LtdAylesburyAppointed representativeFairfirst Mortgages LimitedAylesburyAppointed representativeGerald SelveyAylesburyAppointed representativeJuno Financial Services LtdAylesburyAppointed representativeNeil FisherAylesburyAppointed 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 Kirsty Duncombe

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Kirsty Duncombe FCA authorised?
Kirsty Duncombe (FRN 1043028) 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 Kirsty Duncombe?
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. Kirsty Duncombe (FRN 1043028) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Kirsty Duncombe's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kirsty Duncombe, 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 Kirsty Duncombe’s phone number?
The FCA register lists the phone number 07925 001224 for Kirsty Duncombe. If you were given different contact details, use these to check with the firm before going any further.
Is Kirsty Duncombe a scam or clone?
Kirsty Duncombe 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 Kirsty Duncombe?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Kirsty Duncombe's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Kirsty Duncombe use any other names?
It trades as KD Mortgage Solutions.

Sources and links

The full report on Kirsty Duncombe

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