Less Stress Mortgages Limited
Reference number: 947353
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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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Phone number
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Address
71-72 Wrest Park, Silsoe, Bedford, Central Bedfordshire, MK45 4HR, United Kingdom
In the full report: 3 background checks
- When lessstressmortgages.com first appeared online, and whether it can receive email
- What kind of line 01525 624700 is
- Who else gives the postcode MK45 4HR
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (12 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL Advisor
- Acting as a CBTL arranger
- Acting as a CBTL Arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
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
- 12831830 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 August 2020 (6 years old)
- Registered office
- Southgate Office Village, 286a Chase Road, London, N14 6HF, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bruno Andre Carvalho | Director | Apr 1983 | 24 Aug 2020 | 2 other companies |
| James Vivien Esteves Dunington | Director | Sep 1988 | 24 Aug 2020 | 1 other company |
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
- 1
- went insolvent
- 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
- The one that went into liquidation or administration
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£948
Up £348 from £600
Cash at bank
£16.9k
+276% from £4,478
Employees (average)
3
+200% from 1
Owed within a year
£124k
No earlier figure to compare
Assets and liabilities
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 12831830. 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
Less Stress Mortgages’s history from the FCA register and Companies House, newest first.
2024
1 March 2024
- Bruno Andre Carvalho became a part-owner (25–50% of shares)
Companies House
2023
29 September 2023
- Bruno Andre Carvalho stopped being a part-owner
Companies House
12 February 2023
- Bruno Andre Carvalho became a part-owner (25–50% of shares)
Companies House
2022
17 March 2022
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2020
24 August 2020
- Incorporated at Companies House
- James Vivien Esteves Dunington became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 6
Firms like Less Stress Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bedford
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 Less Stress Mortgages
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
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 14 events in its history
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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
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk