M & R Finance Ltd

Reference number: 502168

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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

HL Partnership Limited Reference number: 303397 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.
  • M & R Finance Ltd (FRN 502168) is an AR of HL Partnership Limited (FRN 303397). When you use M & R Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from M & R Finance, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When financesolutionsnorthern.co.uk first appeared online, and whether it can receive email
  • What kind of line 01642 919959 is, and the other firm that gives it
  • Who else gives the postcode TS19 0GD
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Other names (2)

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

  • Finance Solutions Northern Trading name
  • Solutions Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
05922587
Company status
Active
Company type
Private limited company
Incorporated
1 September 2006 (20 years old)
Registered office
Suite 8, Durham Tees Valley Business Centre, Orde Wingate Way, Stockton-On-Tees, TS19 0GD, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Smith Director Jul 1968 1 Sep 2006 None
Rachel Ann Smith Director Dec 1971 1 Sep 2006 None
Michael Smith Secretary Not published 1 Sep 2006 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£51.5k

+145% from £21.0k

Employees (average)

2

−50% from 4

Owed within a year

£18.7k

+171% from £6,914

Assets and liabilities

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
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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 05922587. 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

M & R Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2016

1 June 2016

  • Michael Smith became the majority owner (50–75% of shares)
  • Rachel Ann Smith became the majority owner (50–75% of shares)

Companies House

2009

10 June 2009

  • Became an appointed representative

FCA register

2006

1 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to M & R Finance

Other FCA-listed firms that share a director, phone number or address with M & R Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its phone number
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like M & R Finance

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

In the Cleveland (TS) postcode area

Active Business Protection LimitedGuisboroughAppointed representativeAngela OwensStockton-On-TeesAppointed representativeArdent Mortgage SolutionsStockton-on-TeesAppointed representativeAsif ZamanMiddlesbroughAppointed representativeAstute Commercial Brokers LimitedMiddlesbroughAppointed representativeCallander Mortgage Solutions LtdStockton-on-TeesAppointed 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 M & R Finance

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
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 9 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is M & R Finance Ltd FCA authorised?
M & R Finance Ltd (FRN 502168) 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 M & R Finance?
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. M & R Finance Ltd (FRN 502168) is an AR of HL Partnership Limited (FRN 303397). When you use M & R Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from M & R Finance, 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 M & R Finance’s phone number and website?
The FCA register lists the phone number 01642 919959 and the website financesolutionsnorthern.co.uk for M & R Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is M & R Finance a scam or clone?
M & R Finance 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 M & R Finance?
Protection works through HL Partnership Limited, the principal firm responsible for M & R Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns M & R Finance?
Companies House lists 2 people with significant control of M & R Finance: Mr Michael Smith (50–75% of shares) and Mrs Rachel Ann Smith (50–75% of shares).
Who runs M & R Finance?
Companies House lists 2 directors of M & R Finance: Michael Smith and Rachel Ann Smith.
How long has M & R Finance been in business?
The company was formed on 1 September 2006.
What do M & R Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £51.5k (+145% from £21.0k).
Does M & R Finance use any other names?
It trades as Finance Solutions Northern. It has previously used the name Solutions Mortgages.

Sources and links

The full report on M & R Finance Ltd

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