Kirsty Williams Mortgage Solutions Ltd

Reference number: 972073

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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

Personal Touch Financial Services Limited Reference number: 187834 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 Williams Mortgage Solutions Ltd (FRN 972073) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Kirsty Williams Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kirsty Williams Mortgage Solutions, 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

    07825 955944

  • Address

    1 Coedcae Uchaf, Llanelli, Carmarthenshire, SA15 1JU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07825 955944 is
  • Who else gives the postcode SA15 1JU
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Other names (1)

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

  • Kirsty Williams Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
14958315
Company status
Active
Company type
Private limited company
Incorporated
24 June 2023 (3 years old)
Registered office
1 Coedcae Uchaf, Llanelli, SA15 1JU, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Kirsty Victoria Williams Director May 1981 24 Jun 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Net assets

£2,374

+13% from £2,095

Cash at bank

£9,437

−47% from £17.9k

Owed within a year

£8,076

−54% from £17.7k

Assets and liabilities

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.

Accounts filed at Companies House for company 14958315. 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

Kirsty Williams Mortgage Solutions’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2023

14 September 2023

  • Changed its registered name from "Kirsty Williams"

FCA register

24 June 2023

  • Incorporated at Companies House
  • Kirsty Victoria Williams took control (75–100% of shares)

Companies House

2022

15 March 2022

  • Became an appointed representative

FCA register

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Kirsty Williams Mortgage Solutions

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

In Llanelli

Allistair ReynoldsLlanelliAppointed representativeEmily Morris Wealth Management LTDLlanelliAppointed representativeEWM Financial Consultancy LtdLlanelliAppointed representativeGSL Financial Consultants LimitedLlanelliAppointed representativeRoberts Wealth & Financial Planning LtdLlanelliAppointed representativeHayhurst Wealth Management LimitedLlanelliAppointed 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 Williams Mortgage Solutions

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
  • All 7 events in its history

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Frequently asked questions about this firm

Is Kirsty Williams Mortgage Solutions Ltd FCA authorised?
Kirsty Williams Mortgage Solutions Ltd (FRN 972073) 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 Williams Mortgage Solutions?
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 Williams Mortgage Solutions Ltd (FRN 972073) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Kirsty Williams Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kirsty Williams Mortgage Solutions, 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 Williams Mortgage Solutions’ phone number?
The FCA register lists the phone number 07825 955944 for Kirsty Williams Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Kirsty Williams Mortgage Solutions a scam or clone?
Kirsty Williams Mortgage Solutions 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 Williams Mortgage Solutions?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Kirsty Williams Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kirsty Williams Mortgage Solutions?
Companies House lists one person with significant control of Kirsty Williams Mortgage Solutions: Kirsty Victoria Williams (75–100% of shares).
Who runs Kirsty Williams Mortgage Solutions?
Companies House lists one director of Kirsty Williams Mortgage Solutions: Kirsty Victoria Williams.
How long has Kirsty Williams Mortgage Solutions been in business?
The company was formed on 24 June 2023.
What do Kirsty Williams Mortgage Solutions’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £2,374 (+13% from £2,095) and cash at bank of £9,437 (−47% from £17.9k).
Does Kirsty Williams Mortgage Solutions use any other names?
It has previously used the name Kirsty Williams.

Sources and links

The full report on Kirsty Williams Mortgage Solutions Ltd

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