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.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2000
- Accounts filed up to 30 September 2025
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
- Mortgage Friendly.Net Limited (FRN 408115) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mortgage Friendly.Net's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Friendly.Net, 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.
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No website on the FCA register
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Phone number
-
Address
198 Noak Hill Road, Billericay, Essex, CM12 9UX, United Kingdom
In the full report: 2 background checks
- What kind of line 07711 007330 is
- Who else gives the postcode CM12 9UX
Other names (2)
If you were contacted under any of these names, it is this firm.
- Mortgage Friendly.Net Former name: A name it was registered under before.
- Mortgage & Friendly.Net Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 04075842 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 September 2000 (26 years old)
- Registered office
- 1 Royal Terrace, Southend-On-Sea, SS1 1EA
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Stephen James Howard | Director | Dec 1959 | 1 Apr 2004 | 2 other companies |
Other companies run by its director
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
- 2
- closed down
- 1
- still active
- 1
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1,098
−4.8% from £1,153
Employees (average)
3
Same as 3
Owed within a year
£28.8k
+117% from £13.3k
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
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 04075842. 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
Mortgage Friendly.Net’s history from the FCA register and Companies House, newest first.
2025
12 September 2025
- Changed its registered name from "Mortgage Friendly. Net Ltd"
FCA register
2016
6 April 2016
- Stephen James Howard took control (75–100% of shares)
Companies House
2015
3 March 2015
- Changed its registered name from "Mortgage & Friendly.Net Ltd"
FCA register
2007
21 June 2007
- Changed its registered name from "Mortgage Friendly.Net"
FCA register
2004
31 October 2004
- Became an appointed representative
FCA register
31 March 2004
- Board replaced: all 3 directors left and 3 new directors took over
Companies House
2000
21 September 2000
- Incorporated at Companies House
Companies House
In the full report: all 25 events
- All 25 events in its history (7 shown here)
- Every director appointment and resignation: 18
Firms like Mortgage Friendly.Net
Other firms of the same type (mortgage adviser or broker), nearest first.
In Billericay
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 Mortgage Friendly.Net
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 25 events in its history
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Frequently asked questions about this firm
Is Mortgage Friendly.Net Limited FCA authorised?
What does appointed representative mean for Mortgage Friendly.Net?
What is Mortgage Friendly.Net’s phone number?
Is Mortgage Friendly.Net a scam or clone?
Is my money safe with Mortgage Friendly.Net?
Who owns Mortgage Friendly.Net?
Who runs Mortgage Friendly.Net?
How long has Mortgage Friendly.Net been in business?
What do Mortgage Friendly.Net’s latest accounts show?
Does Mortgage Friendly.Net use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk