LKJ Mortgages Limited

Reference number: 1009735

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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

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.
  • LKJ Mortgages Limited (FRN 1009735) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use LKJ Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LKJ Mortgages, 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

    0151 200 3315

  • Address

    2 Brome Way, Wirral, Wirral, CH63 9ND, United Kingdom

In the full report: 2 background checks

  • What kind of line 0151 200 3315 is
  • Who else gives the postcode CH63 9ND
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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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
15370560
Company status
Active
Company type
Private limited company
Incorporated
27 December 2023 (2 years old)
Registered office
Gallagher House, 10 Market Street, Wirral, Merseyside, CH41 5ER, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Elizabeth Anne Gerrard Director Aug 1969 27 Dec 2023 1 other company

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£73

−93% from £1,109

Employees (average)

2

+100% from 1

Owed within a year

£4,918

+9.4% from £4,494

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 15370560. 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

LKJ Mortgages’s history from the FCA register and Companies House, newest first.

2024

24 February 2024

  • Became an appointed representative

FCA register

2023

27 December 2023

  • Incorporated at Companies House
  • Elizabeth Anne Gerrard took control (75–100% of shares)
  • Elizabeth Anne Gerrard appointed as a director

Companies House

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

Firms like LKJ Mortgages

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

In Wirral

A Penny Saved LtdWirralAppointed representativeAnthony RowanWirralAppointed representativeBlue Strawberry Financial Services LtdWirralAppointed representativeCo-Create Management Solutions LimitedWirralAppointed representativeDast Mortgages LimitedWirralAppointed representativeHome Legal Services Liverpool LLPWirralAppointed 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 LKJ Mortgages

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is LKJ Mortgages Limited FCA authorised?
LKJ Mortgages Limited (FRN 1009735) 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 LKJ Mortgages?
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. LKJ Mortgages Limited (FRN 1009735) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use LKJ Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from LKJ Mortgages, 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 LKJ Mortgages’ phone number?
The FCA register lists the phone number 0151 200 3315 for LKJ Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is LKJ Mortgages a scam or clone?
LKJ Mortgages 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 LKJ Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for LKJ Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns LKJ Mortgages?
Companies House lists one person with significant control of LKJ Mortgages: Ms Elizabeth Anne Gerrard (75–100% of shares).
Who runs LKJ Mortgages?
Companies House lists one director of LKJ Mortgages: Elizabeth Anne Gerrard.
How long has LKJ Mortgages been in business?
The company was formed on 27 December 2023.
What do LKJ Mortgages’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £73 (−93% from £1,109).

Sources and links

The full report on LKJ Mortgages Limited

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