Mortgageability Ltd

Reference number: 790908

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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.
  • Mortgageability Ltd (FRN 790908) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mortgageability's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Mortgageability, 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 mortgageability.uk first appeared online, and whether it can receive email
  • What kind of line 01945 200034 is
  • Who else gives the postcode PE14 7DA
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Other names (1)

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

  • Mortgageabillity Ltd Former name

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
10878747
Company status
Active
Company type
Private limited company
Incorporated
21 July 2017 (9 years old)
Registered office
9-10 The Crescent The Crescent, Wisbech, Cambridgeshire, PE13 1EH, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Amanda Jane Marshall Director Jul 1968 21 Sep 2017 None
Rhian Jennifer Mills Director Jan 1985 21 Sep 2017 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Total equity

£62.6k

−23% from £81.1k

Employees (average)

4

Same as 4

Owed within a year

£44.9k

<1% from £45.0k

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
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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 10878747. 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

Mortgageability’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2017

10 November 2017

  • Changed its registered name from "Mortgageabillity Ltd"

FCA register

10 October 2017

  • Became an appointed representative

FCA register

21 September 2017

  • Amanda Jane Marshall became a part-owner (25–50% of shares)
  • Rhian Jennifer Mills became a part-owner (25–50% of shares)
  • Stephen William Fisher gave up control

Companies House

21 July 2017

  • Incorporated at Companies House
  • Stephen William Fisher took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Mortgageability

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

connected firms
2
share its postcode
2

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
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Firms like Mortgageability

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

In Wisbech

The Equity Release Company (UK) LtdWisbechAppointed representativeTop House Mortgage Solutions LimitedWisbechAuthorised

In the Peterborough (PE) postcode area

Absolute Mortgages (UK) LtdDownham MarketAppointed representativeAgentis Financial and Mortgage Solutions LimitedPeterboroughAppointed representativeAllen Financial Services LtdSpaldingAppointed representativeBardwell Mortgage Solutions LtdBourneAppointed 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 Mortgageability

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
  • 6 years of accounts, charted
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Mortgageability Ltd FCA authorised?
Mortgageability Ltd (FRN 790908) 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 Mortgageability?
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. Mortgageability Ltd (FRN 790908) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Mortgageability's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgageability, 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 Mortgageability’s phone number and website?
The FCA register lists the phone number 01945 200034 and the website mortgageability.uk for Mortgageability. If you were given different contact details, use these to check with the firm before going any further.
Is Mortgageability a scam or clone?
Mortgageability 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 Mortgageability?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Mortgageability's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Mortgageability?
Companies House lists 2 people with significant control of Mortgageability: Miss Rhian Jennifer Mills (25–50% of shares) and Mrs Amanda Jane Marshall (25–50% of shares). Before that, it was controlled by Mr Stephen William Fisher.
Who runs Mortgageability?
Companies House lists 2 directors of Mortgageability: Amanda Jane Marshall and Rhian Jennifer Mills.
How long has Mortgageability been in business?
The company was formed on 21 July 2017.
What do Mortgageability’s latest accounts show?
Its latest accounts, to 31 July 2025, show total equity of £62.6k (−23% from £81.1k).
Does Mortgageability use any other names?
It has previously used the name Mortgageabillity Ltd.

Sources and links

The full report on Mortgageability Ltd

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