LPR Mortgage Services Limited

Reference number: 431404

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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.
  • LPR Mortgage Services Limited (FRN 431404) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use LPR Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LPR Mortgage Services, 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

    0330 038 8940

  • Address

    12 William Eccles Close, Houlton, Rugby, Northamptonshire, CV23 1FB, United Kingdom

In the full report: 2 background checks

  • What kind of line 0330 038 8940 is
  • Who else gives the postcode CV23 1FB
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Other names (3)

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

  • LPR Independent Mortgage Services Former name
  • LPR Mortgage Services Former name
  • LPR Mortgage Services Ltd Former name

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
09214163
Company status
Active
Company type
Private limited company
Incorporated
11 September 2014 (12 years old)
Registered office
12 William Eccles Close, Houlton, Rugby, Warwickshire, CV23 1FB, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Karen Richards Director Jul 1973 11 Sep 2014 1 other company
Lloyd Richards Director Aug 1968 11 Sep 2014 None

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 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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 September 2026Micro-entity accountsNot audited

Net assets

£5,581

−31% from £8,044

Employees (average)

2

Same as 2

Owed within a year

£16.3k

+11% from £14.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 09214163. 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

LPR Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2025

13 February 2025

  • Changed its registered name from "LPR Mortgage Services Ltd"

FCA register

2016

6 April 2016

  • Karen Richards became a part-owner (25–50% of shares)
  • Lloyd Richards became a part-owner (25–50% of shares)

Companies House

2014

27 October 2014

  • Changed its registered name from "LPR Mortgage Services"

FCA register

11 September 2014

  • Incorporated at Companies House

Companies House

2007

2 November 2007

  • Changed its registered name from "LPR Independent Mortgage Services"

FCA register

2005

21 April 2005

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like LPR Mortgage Services

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

In Rugby

Bob Loydall Mortgages LimitedRugbyAppointed representativeMatt Clarke Mortgage Services LimitedRugbyAppointed representativeMeridan Finance LtdRugbyAppointed representativePanda Mortgage Services LimitedRugbyAppointed representativePurely Mortgages (Rugby) LtdRugbyAppointed representativeStephen ValentineRugbyAppointed 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 LPR Mortgage Services

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
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is LPR Mortgage Services Limited FCA authorised?
LPR Mortgage Services Limited (FRN 431404) 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 LPR Mortgage Services?
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. LPR Mortgage Services Limited (FRN 431404) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use LPR Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from LPR Mortgage Services, 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 LPR Mortgage Services’ phone number?
The FCA register lists the phone number 0330 038 8940 for LPR Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is LPR Mortgage Services a scam or clone?
LPR Mortgage Services 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 LPR Mortgage Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for LPR Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns LPR Mortgage Services?
Companies House lists 2 people with significant control of LPR Mortgage Services: Mr Lloyd Richards (25–50% of shares) and Mrs Karen Richards (25–50% of shares).
Who runs LPR Mortgage Services?
Companies House lists 2 directors of LPR Mortgage Services: Karen Richards and Lloyd Richards.
How long has LPR Mortgage Services been in business?
The company was formed on 11 September 2014.
What do LPR Mortgage Services’ latest accounts show?
Its latest accounts, to 30 September 2026, show net assets of £5,581 (−31% from £8,044).
Does LPR Mortgage Services use any other names?
It has previously used 3 other names: LPR Independent Mortgage Services, LPR Mortgage Services and LPR Mortgage Services Ltd.

Sources and links

The full report on LPR Mortgage Services Limited

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