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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 December 2025
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.
- KMC Mortgage Solutions Limited (FRN 429170) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use KMC Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from KMC 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.
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No website on the FCA register
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Phone number
-
Address
Kestrel Court Harbour Road, Portishead, Bristol, BS20 7AN, United Kingdom
In the full report: 2 background checks
- What kind of line 01275 390520 is
- Who else gives the postcode BS20 7AN
Other names (2)
If you were contacted under any of these names, it is this firm.
- KMC Mortgage Solutions Former name: A name it was registered under before.
- KMC Mortgage Solutions Ltd Former name: A name it was registered under before.
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
- 05571235 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 22 September 2005 (21 years old)
- Registered office
- Bramley House High Street, Othery, Bridgwater, TA7 0QA, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nigel Charles Croucher | Director | Oct 1966 | 22 Sep 2005 | 1 other company |
| Kathryn Mary Croucher | Director | May 1969 | 30 Oct 2017 | 3 other companies |
Other companies run by these 2 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
- 3
- closed down
- 2
- run together
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 2 directors run together
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Employees (average)
2
Same as 2
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 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.
Accounts filed at Companies House for company 05571235. 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
KMC Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2025
12 September 2025
- Changed its registered name from "KMC Mortgage Solutions Ltd"
FCA register
2016
6 April 2016
- Nigel Charles Croucher took control (75–100% of shares)
Companies House
2006
11 January 2006
- Changed its registered name from "KMC Mortgage Solutions"
FCA register
2005
22 September 2005
- Incorporated at Companies House
Companies House
7 March 2005
- Became an appointed representative
FCA register
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms connected to KMC Mortgage Solutions
Other FCA-listed firms that share a director, phone number or address with KMC Mortgage Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like KMC Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), 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 KMC Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 9 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is KMC Mortgage Solutions Limited FCA authorised?
What does appointed representative mean for KMC Mortgage Solutions?
What is KMC Mortgage Solutions’ phone number?
Is KMC Mortgage Solutions a scam or clone?
Is my money safe with KMC Mortgage Solutions?
Who owns KMC Mortgage Solutions?
Who runs KMC Mortgage Solutions?
How long has KMC Mortgage Solutions been in business?
What do KMC Mortgage Solutions’ latest accounts show?
Does KMC Mortgage Solutions 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