Modern Mortgage Solutions Ltd

Reference number: 525984

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Modern Mortgage Solutions Ltd (FRN 525984) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Modern Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Modern 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.

  • No website on the FCA register

  • Phone number

    020 8787 5225

  • Address

    24 Longcroft Avenue, Banstead, Surrey, SM7 3AE, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8787 5225 is
  • Who else gives the postcode SM7 3AE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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 name
MODERN MORTGAGE SOLUTIONS LIMITED
Company number
06547376
Company status
Active
Company type
Private limited company
Incorporated
28 March 2008 (18 years old)
Registered office
24 Longcroft Avenue, Banstead, SM7 3AE, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham James Lawrenson Director Jun 1969 28 Mar 2008 1 other company
Emma Lawrenson Director Oct 1979 18 Aug 2011 1 other company
Emma Lawrenson Secretary Not published 28 Mar 2008 –

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
still active
1
run together
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
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£532

−87% from £4,006

Employees (average)

3

−25% from 4

Owed within a year

£56.8k

+226% from £17.4k

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
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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 06547376. 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

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

Key events (5) All events (9)

2026

6 July 2026

  • Changed its registered name from "Modern Mortgage SolutionsLtd"

FCA register

2016

6 April 2016

  • Emma Lawrenson became a part-owner (25–50% of shares)
  • Graham James Lawrenson became a part-owner (25–50% of shares)

Companies House

2010

15 June 2010

  • Became an appointed representative

FCA register

2008

28 March 2008

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like Modern Mortgage Solutions

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

In Banstead

Park Grove Mortgages LtdBansteadAppointed representativePaul MorrisBansteadAppointed representativePaul YoungBansteadAppointed 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 Modern Mortgage Solutions

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 9 events in its history

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Frequently asked questions about this firm

Is Modern Mortgage Solutions Ltd FCA authorised?
Modern Mortgage Solutions Ltd (FRN 525984) 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 Modern 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. Modern Mortgage Solutions Ltd (FRN 525984) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Modern Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Modern 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 Modern Mortgage Solutions’ phone number?
The FCA register lists the phone number 020 8787 5225 for Modern Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Modern Mortgage Solutions a scam or clone?
Modern 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 Modern Mortgage Solutions?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Modern Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Modern Mortgage Solutions?
Companies House lists 2 people with significant control of Modern Mortgage Solutions: Mrs Emma Lawrenson (25–50% of shares) and Mr Graham James Lawrenson (25–50% of shares).
Who runs Modern Mortgage Solutions?
Companies House lists 2 directors of Modern Mortgage Solutions: Graham James Lawrenson and Emma Lawrenson.
How long has Modern Mortgage Solutions been in business?
The company was formed on 28 March 2008.
What do Modern Mortgage Solutions’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £532 (−87% from £4,006).

Sources and links

The full report on Modern Mortgage Solutions Ltd

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