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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Lock Mortgage Solutions Ltd (FRN 947780) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Lock Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Lock 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
46 Market Place, Mountsorrel, Loughborough, Leicestershire, LE12 7BA, United Kingdom
In the full report: 2 background checks
- What kind of line 0116 326 7327 is
- Who else gives the postcode LE12 7BA
Other names (2)
If you were contacted under any of these names, it is this firm.
- Heritage Financial Solutions Trading name: A name it trades under now.
- Mortgage Advice Bureau Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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
- 13133328 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 January 2021 (5 years old)
- Registered office
- 46 Market Place, Mountsorrel, Loughborough, LE12 7BA, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Aaron Sanderson | Director | Jul 1988 | 22 Aug 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£54.2k
−18% from £66.2k
Employees (average)
5
−29% from 7
Owed within a year
£79.0k
−4.1% from £82.4k
Net assets
In the full report: all 4 years of accounts
- Every year from 2022 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 13133328. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Lock Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2023
27 January 2023
- Boden Samuel Ltd gave up control
- Mitul Shashikant Gadhia took control (75–100% of shares)
Companies House
2022
26 September 2022
- Boden Samuel Ltd took control (75–100% of shares)
- Graham Charles Lock gave up control
Companies House
2021
24 March 2021
- Became an appointed representative
FCA register
15 January 2021
- Charles Lock Limited gave up control
- Graham Charles Lock took control (75–100% of shares)
Companies House
14 January 2021
- Incorporated at Companies House
- Charles Lock Limited took control (75–100% of shares)
Companies House
In the full report: all 16 events
- All 16 events in its history (9 shown here)
- Every director appointment and resignation: 5
Firms like Lock Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Loughborough
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 Lock 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
- 4 years of accounts, charted
- All 16 events in its history
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Frequently asked questions about this firm
Is Lock Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Lock Mortgage Solutions?
What is Lock Mortgage Solutions’ phone number?
Is Lock Mortgage Solutions a scam or clone?
Is my money safe with Lock Mortgage Solutions?
Who owns Lock Mortgage Solutions?
Who runs Lock Mortgage Solutions?
How long has Lock Mortgage Solutions been in business?
What do Lock Mortgage Solutions’ latest accounts show?
Does Lock 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