Mortgage Help Scotland Ltd

Reference number: 460042

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Mortgage Help Scotland Ltd (FRN 460042) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mortgage Help Scotland's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgage Help Scotland, 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

    01383 221234

  • Address

    Dalgety Bay Business Centre, Ridge Way, Hillend, Dalgety Bay, Dunfermline, KY11 9JN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01383 221234 is
  • Who else gives the postcode KY11 9JN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
SC308427
Company status
Active
Company type
Private limited company
Incorporated
12 September 2006 (20 years old)
Registered office
Dalgety Bay Business Centre Ridge Way, Hillend, Dunfermline, KY11 9JN, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Mcavoy Director Sep 1964 12 Sep 2006 4 other companies
Martyn Ramsay Curtis Director Aug 1987 19 Sep 2024 None

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 companies
4
closed down
1
is FCA-registered
1

In the full report: all 4 companies, 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 one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£15.0k

Up £14.7k from £310

Employees (average)

1

Same as 1

Owed within a year

£17.2k

−7.2% from £18.5k

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 SC308427. 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 Help Scotland’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2024

19 September 2024

  • Martyn Ramsay Curtis became a part-owner (25–50% of shares)

Companies House

2016

1 August 2016

  • Stephen McAvoy became a part-owner (25–50% of shares)

Companies House

2006

14 November 2006

  • Became an appointed representative

FCA register

12 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Mortgage Help Scotland

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

connected firms
2
share its postcode
2
past link
1

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Mortgage Help Scotland

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

In Dunfermline

Carnegie Mortgage and Protection LtdDunfermlineAppointed representativeDedicated Mortgage Solutions LimitedDunfermlineAppointed representativeEmpire Mortgages LtdDunfermlineAppointed representativeKaren ToddDunfermlineAppointed representativePaul Hyde Financial Services LimitedDunfermlineAppointed representativePlayfair Finance Ltd.DunfermlineAppointed 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 Mortgage Help Scotland

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mortgage Help Scotland Ltd FCA authorised?
Mortgage Help Scotland Ltd (FRN 460042) 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 Mortgage Help Scotland?
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 Help Scotland Ltd (FRN 460042) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mortgage Help Scotland's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Help Scotland, 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 Mortgage Help Scotland’s phone number?
The FCA register lists the phone number 01383 221234 for Mortgage Help Scotland. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgage Help Scotland a scam or clone?
Mortgage Help Scotland 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 Mortgage Help Scotland?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Mortgage Help Scotland's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgage Help Scotland?
Companies House lists 2 people with significant control of Mortgage Help Scotland: Mr Stephen McAvoy (25–50% of shares) and Mr Martyn Ramsay Curtis (25–50% of shares).
Who runs Mortgage Help Scotland?
Companies House lists 2 directors of Mortgage Help Scotland: Stephen McAvoy and Martyn Ramsay Curtis.
How long has Mortgage Help Scotland been in business?
The company was formed on 12 September 2006.
What do Mortgage Help Scotland’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £15.0k (up £14.7k from £310).

Sources and links

The full report on Mortgage Help Scotland Ltd

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