Milecross Financial Solutions Limited

Reference number: 413142

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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

Openwork Limited Reference number: 408285 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.
  • Milecross Financial Solutions Limited (FRN 413142) is an AR of Openwork Limited (FRN 408285). When you use Milecross Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Milecross Financial 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.

  • No website on the FCA register

  • Phone number

    028 9182 8255

  • Address

    42 Milecross Road, Newtownards, County Down, BT23 4SR, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 9182 8255 is
  • Who else gives the postcode BT23 4SR
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Other names (65)

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

  • AB Mortgage & Protection Services Trading name
  • Appletree Finance Trading name
  • Byrne & Doherty Mortgage Specialists Trading name
  • Carl Summers Financial Services Trading name
  • C&L Mortgages Trading name
  • Dungannon Mortgage Services Trading name
  • Face to Face Mortgages Trading name
  • Gregg Finance Trading name
  • Heritage Financial Planning Trading name
  • Kith & Kin Financial Solutions Trading name
  • Miskimmin Wealth Trading name
  • Mortgage and Property Plus Trading name
  • Mortgage Solutions Trading name
  • Mortgage Specialists Trading name
  • Neil Anderson Mortgages Trading name
  • Nurture Financial Trading name
  • Rainey & Gregg Financial Trading name
  • The Centre Court Trading name
  • The Martin Cliffe Practice Trading name
  • The Mortgage Lounge Trading name
  • Vincent Rainey Finance Trading name
  • We Advise Trading name
  • Mortgage and Lending Associates Former name
  • Mortgage & Lending Associates Former name
  • Anderson Financial Former trading name
  • Ballymena Mortgages Former trading name
  • Ballymena Mortgage Shop Former trading name
  • Bluetree Financial Services Former trading name
  • CDF Financial Former trading name
  • City Mortgage & Property Solutions Former trading name
  • City Mortgage Solutions Former trading name
  • Coleman & McCullough Financial Services Former trading name
  • Courthouse Financial Consultancy Former trading name
  • Donny Brook Mortgage Services Former trading name
  • Down Financial Solutions Former trading name
  • East Antrim Property Sales Former trading name
  • Fenton Financial Former trading name
  • First for Finance Former trading name
  • G.F. McShea & Co Former trading name
  • GM Mortgages Former trading name
  • Homebuyers Advisory Centre Former trading name
  • Homebuyers Mortgage & Property Centre Former trading name
  • House of Mortgages Former trading name
  • McCoy & McMeel Former trading name
  • Moda Former trading name
  • Money Life Associates Former trading name
  • Mortgage and Lending Solutions Former trading name
  • Mortgage Exchange Former trading name
  • Mortgage Joy Former trading name
  • Mortgage & Lending Solutions Former trading name
  • Mortgages Solutions (Ni) Former trading name
  • Mortgagewise NI Former trading name
  • Nest Financial Advice Former trading name
  • Nest Mortgages Former trading name
  • N P Financial Services Former trading name
  • Raymond Kinsella Mortgage Advice Former trading name
  • Robert Ferris Financial Services Former trading name
  • Select Mortgage Services Lurgan Former trading name
  • The Mortgage & Financial Advice Centre Former trading name
  • The Mortgage Market Former trading name
  • The Mortgage Specialist Former trading name
  • T M Insurance Consultants & Property Sales Former trading name
  • T M Insurance Conultants & Property Sales Former trading name
  • Tony Jackson Financial Solutions Former trading name
  • Treble Financial Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
NI601587
Company status
Active
Company type
Private limited company
Incorporated
11 December 2009 (16 years old)
Registered office
42 Milecross Road, Newtownards, Down, BT23 4SR
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Irvine Dalzell Director Oct 1959 11 Dec 2009 7 other companies
Paul John Mitchener Director Jan 1961 14 Feb 2025 7 other companies
Aidan Grant Chavasse Director Feb 1993 6 Jun 2025 8 other companies
Michael Richard Andrew Graham Director Sep 1984 30 Mar 2026 1 other company

Other companies run by these 4 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 companies
20
closed down
3
are FCA-registered
5

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register, including one no longer authorised
  • The 2 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£10.4m

Not compared: the previous accounts cover a different length of time

Profit before tax

£131k

Not compared: the previous accounts cover a different length of time

Net assets

£5.05m

−5.4% from £5.33m

Cash at bank

£433k

−51% from £891k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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.

Accounts filed at Companies House for company NI601587. 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

Milecross Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (9) All events (129)

2025

6 June 2025

  • Elizabeth Jane Dalzell stopped being a part-owner
  • Openwork Access Limited took control (75–100% of shares)
  • Paul Irvine Dalzell stopped being the majority owner

Companies House

2019

1 April 2019

  • Elizabeth Jane Dalzell became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Paul Irvine Dalzell became the majority owner (50–75% of shares)

Companies House

2010

4 May 2010

  • Changed its registered name from "Mortgage and Lending Associates"

FCA register

2009

11 December 2009

  • Incorporated at Companies House

Companies House

2007

21 March 2007

  • Changed its registered name from "Mortgage & Lending Associates"

FCA register

2004

29 October 2004

  • Became an appointed representative

FCA register

In the full report: all 129 events

  • All 129 events in its history (9 shown here)
  • Every director appointment and resignation: 12
Instant PDF download

Firms connected to Milecross Financial Solutions

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

connected firms
4
no longer authorised
1
share a director
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
Instant PDF download

Firms like Milecross Financial Solutions

Other firms of the same type (insurance broker), nearest first.

In Newtownards

Giles ToursNewtownardsAppointed representativeGRD Property Services LimitedNewtownardsAppointed representativeMessrs A, A & A ColwellNewtownardsAppointed representativeR Law, A F Steele, J Barr, R J Perrin & M PrestonNewtownardsAppointed representativeQUANTUM PROTECT LtdNewtownardsAuthorisedTownsend (Newtownards) LimitedNewtownardsAuthorised

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 Milecross Financial Solutions

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

  • 20 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 129 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Milecross Financial Solutions Limited FCA authorised?
Milecross Financial Solutions Limited (FRN 413142) 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 Milecross Financial 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. Milecross Financial Solutions Limited (FRN 413142) is an AR of Openwork Limited (FRN 408285). When you use Milecross Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Milecross Financial 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 Milecross Financial Solutions’ phone number?
The FCA register lists the phone number 028 9182 8255 for Milecross Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Milecross Financial Solutions a scam or clone?
Milecross Financial 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 Milecross Financial Solutions?
Protection works through Openwork Limited, the principal firm responsible for Milecross Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Milecross Financial Solutions?
Milecross Financial Solutions is owned by Openwork Access Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 June 2025. Before that, it was controlled by Mrs Elizabeth Jane Dalzell and Mr Paul Irvine Dalzell.
Who runs Milecross Financial Solutions?
Companies House lists 4 directors of Milecross Financial Solutions: Paul Irvine Dalzell, Paul John Mitchener, Aidan Grant Chavasse and Michael Richard Andrew Graham.
How long has Milecross Financial Solutions been in business?
The company was formed on 11 December 2009.
What do Milecross Financial Solutions’ latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £10.4m (not compared: the previous accounts cover a different length of time) and profit before tax of £131k (not compared: the previous accounts cover a different length of time).
Does Milecross Financial Solutions use any other names?
It trades as AB Mortgage & Protection Services, Appletree Finance, Byrne & Doherty Mortgage Specialists, Carl Summers Financial Services and C&L Mortgages, and 17 more names. It has previously used 43 other names, including Mortgage and Lending Associates, Mortgage & Lending Associates and Anderson Financial.

Sources and links

The full report on Milecross Financial Solutions Limited

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