Manchester Mortgage Solutions Limited

Reference number: 997420

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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.
  • Manchester Mortgage Solutions Limited (FRN 997420) is an AR of HL Partnership Limited (FRN 303397). When you use Manchester Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Manchester 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.

In the full report: 3 background checks

  • When manchestermortgagesolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 07391 198993 is
  • Who else gives the postcode SK8 4LZ
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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
14493603
Company status
Active
Company type
Private limited company
Incorporated
18 November 2022 (3 years old)
Registered office
1 Cedar Road, Gatley, Cheadle, SK8 4LZ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Charles Baldwin Director Jan 1966 18 Feb 2023 None
Claire Helen Sophia Baldwin Director Dec 1983 31 Mar 2026 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 November 2025Small company accountsNot audited

Net assets

£6,781

−64% from £18.9k

Cash at bank

£4,000

−54% from £8,725

Employees (average)

1

Same as 1

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 14493603. 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

Manchester Mortgage Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2023

6 June 2023

  • Became an appointed representative

FCA register

17 April 2023

  • Claire Helen Sophia Baldwin gave up control
  • Stephen Charles Baldwin took control (75–100% of shares)

Companies House

2022

18 November 2022

  • Incorporated at Companies House
  • Claire Helen Sophia Baldwin took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like Manchester Mortgage Solutions

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

In Cheadle

AMG Financial Solutions LimitedCheadleAppointed representativeBelieve Specialist Finance LimitedCheadleAppointed representativeBrian SmallCheadleAppointed representativeFinish Finance LimitedCheadleAppointed representativeHuma AltafCheadleAppointed representativeJigsaw Financial LtdCheadleAppointed 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 Manchester 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
  • 3 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is Manchester Mortgage Solutions Limited FCA authorised?
Manchester Mortgage Solutions Limited (FRN 997420) 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 Manchester Mortgage Solutions?
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. Manchester Mortgage Solutions Limited (FRN 997420) is an AR of HL Partnership Limited (FRN 303397). When you use Manchester Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Manchester 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.
What is Manchester Mortgage Solutions’ phone number and website?
The FCA register lists the phone number 07391 198993 and the website manchestermortgagesolutions.co.uk for Manchester Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Manchester Mortgage Solutions a scam or clone?
Manchester Mortgage Solutions 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 Manchester Mortgage Solutions?
Protection works through HL Partnership Limited, the principal firm responsible for Manchester Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Manchester Mortgage Solutions?
Companies House lists one person with significant control of Manchester Mortgage Solutions: Mr Stephen Charles Baldwin (75–100% of shares). Before that, it was controlled by Mrs Claire Helen Sophia Baldwin.
Who runs Manchester Mortgage Solutions?
Companies House lists 2 directors of Manchester Mortgage Solutions: Stephen Charles Baldwin and Claire Helen Sophia Baldwin.
How long has Manchester Mortgage Solutions been in business?
The company was formed on 18 November 2022.
What do Manchester Mortgage Solutions’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £6,781 (−64% from £18.9k) and cash at bank of £4,000 (−54% from £8,725).

Sources and links

The full report on Manchester Mortgage Solutions Limited

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