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 16 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 28 February 2026
Responsible principal firm
Advance Mortgage Funding Limited Reference number: 305008 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.
- Next Step Mortgage Solutions Ltd (FRN 517967) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Next Step Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Next Step 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.
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No website on the FCA register
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Phone number
-
Address
10 Newnham Parade, College Road, Cheshunt, Waltham Cross, Hertfordshire, EN8 9NU, United Kingdom
In the full report: 2 background checks
- What kind of line 0118 328 0106 is
- Who else gives the postcode EN8 9NU
Other names (2)
If you were contacted under any of these names, it is this firm.
- Cactus Financial Trading name: A name it trades under now.
- Lighthouse Mortgages Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Advance Mortgage Funding 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 name
- NEXT STEP MORTGAGE SOLUTIONS LIMITED
- Company number
- 10017264 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 February 2016 (10 years old)
- Registered office
- 10 Newnham Parade College Road, Cheshunt, Hertfordshire, EN8 9NU, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Stokes | Director | Sep 1977 | 20 Feb 2016 | 1 other company |
| Damien Frank Rene Jean Guitton | Director | Oct 1984 | 18 Oct 2022 | 1 other company |
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
- 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 these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£112k
No earlier figure to compare
Cash at bank
£23.0k
−60% from £57.6k
Employees (average)
3
Same as 3
Owed within a year
£6,160
−60% from £15.3k
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
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 10017264. 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
Next Step Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2017
19 February 2017
- Christopher Stokes took control (75–100% of shares)
Companies House
2016
20 February 2016
- Incorporated at Companies House
Companies House
2010
15 February 2010
- Became an appointed representative
FCA register
In the full report: all 9 events
- All 9 events in its history (3 shown here)
- Every director appointment and resignation: 2
Firms like Next Step Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Waltham Cross
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 Next Step Mortgage Solutions
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 9 events in its history
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Frequently asked questions about this firm
Is Next Step Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for Next Step Mortgage Solutions?
What is Next Step Mortgage Solutions’ phone number?
Is Next Step Mortgage Solutions a scam or clone?
Is my money safe with Next Step Mortgage Solutions?
Who owns Next Step Mortgage Solutions?
Who runs Next Step Mortgage Solutions?
How long has Next Step Mortgage Solutions been in business?
What do Next Step Mortgage Solutions’ latest accounts show?
Does Next Step Mortgage Solutions 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