MSS Mortgages Swansea Ltd

Reference number: 459710

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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

The Right Mortgage Limited Reference number: 649443 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.
  • MSS Mortgages Swansea Ltd (FRN 459710) is an AR of The Right Mortgage Limited (FRN 649443). When you use MSS Mortgages Swansea's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from MSS Mortgages Swansea, 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

    07788 586791

  • Address

    19 Dylan Road, Killay, Swansea, Abertawe, SA2 7BN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07788 586791 is
  • Who else gives the postcode SA2 7BN
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Other names (3)

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

  • Mortgage Solutions Trading name
  • Mortgage Solutions Cardiff Ltd Former name
  • Thomas John Meloni Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
10582178
Company status
Active
Company type
Private limited company
Incorporated
25 January 2017 (9 years old)
Registered office
19 Dylan Road, Killay, Swansea, SA2 7BN, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas John Meloni Director Jan 1953 25 Jan 2017 3 other companies
Lorraine Grace Meloni Director Nov 1955 4 May 2022 3 other companies

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
5
closed down
2
run together
1

In the full report: all 5 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 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£52.1k

−18% from £63.7k

Employees (average)

1

Same as 1

Owed within a year

£22.4k

No earlier figure to compare

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 10582178. 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

MSS Mortgages Swansea’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2017

5 July 2017

  • Changed its registered name from "Thomas John Meloni"

FCA register

30 June 2017

  • Changed its registered name from "Mortgage Solutions Cardiff Ltd"

FCA register

25 January 2017

  • Incorporated at Companies House
  • Thomas John Meloni took control (75–100% of shares)

Companies House

2006

6 November 2006

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like MSS Mortgages Swansea

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

In Swansea

Davies-Logan Loss Assessors LtdSwanseaAppointed representativeFisher Insure Services LtdSwanseaAppointed representativeFRISUK LtdSwanseaAppointed representativeMaybery Financial Services LtdSwanseaAppointed representativeMiller & Partner LimitedSwanseaAppointed representativeSterling Welsh LimitedSwanseaAppointed 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 MSS Mortgages Swansea

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

  • 5 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

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Frequently asked questions about this firm

Is MSS Mortgages Swansea Ltd FCA authorised?
MSS Mortgages Swansea Ltd (FRN 459710) 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 MSS Mortgages Swansea?
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. MSS Mortgages Swansea Ltd (FRN 459710) is an AR of The Right Mortgage Limited (FRN 649443). When you use MSS Mortgages Swansea's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from MSS Mortgages Swansea, 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 MSS Mortgages Swansea’s phone number?
The FCA register lists the phone number 07788 586791 for MSS Mortgages Swansea. If you were given different contact details, use these to check with the firm before going any further.
Is MSS Mortgages Swansea a scam or clone?
MSS Mortgages Swansea 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 MSS Mortgages Swansea?
Protection works through The Right Mortgage Limited, the principal firm responsible for MSS Mortgages Swansea's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns MSS Mortgages Swansea?
Companies House lists one person with significant control of MSS Mortgages Swansea: Mr Thomas John Meloni (75–100% of shares).
Who runs MSS Mortgages Swansea?
Companies House lists 2 directors of MSS Mortgages Swansea: Thomas John Meloni and Lorraine Grace Meloni.
How long has MSS Mortgages Swansea been in business?
The company was formed on 25 January 2017.
What do MSS Mortgages Swansea’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £52.1k (−18% from £63.7k).
Does MSS Mortgages Swansea use any other names?
It trades as Mortgage Solutions. It has previously used 2 other names: Mortgage Solutions Cardiff Ltd and Thomas John Meloni.

Sources and links

The full report on MSS Mortgages Swansea Ltd

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