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 under a year
- Protected through the principal
- No FCA actions
- Active company since 1999
- Accounts filed up to 30 April 2025
- Its whole board of directors changed in April 2026
Responsible principal firm
The Whitechurch Network Limited Reference number: 190859 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 Mortgages Limited (FRN 1048989) is an AR of The Whitechurch Network Limited (FRN 190859). When you use Next Step Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Next Step Mortgages, 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
437 High Road, Tottenham, London, N17 6QH, England
In the full report: 2 background checks
- What kind of line 020 8808 5344 is
- Who else gives the postcode N17 6QH
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Whitechurch Network 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
- 03745589 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 April 1999 (27 years old)
- Registered office
- First Floor, 677 High Road, London, N12 0DA, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Solomonides | Director | Jan 1970 | 1 Apr 2026 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£3.15m
+9.6% from £2.87m
Cash at bank
£1.35m
−17% from £1.63m
Owed within a year
£189k
−91% from £2.09m
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
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.
Accounts filed at Companies House for company 03745589. 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 Mortgages’s history from the FCA register and Companies House, newest first.
2026
1 April 2026
- Board replaced: its only director left and a new director took over
- Crystal Life Limited took control (75–100% of shares)
- Sanjeeve Kumar Gupta stopped being a part-owner
- Theodora Gupta stopped being a part-owner
Companies House
2025
24 December 2025
- Became an appointed representative
FCA register
2016
6 April 2016
- Sanjeeve Kumar Gupta became a part-owner (25–50% of shares)
- Theodora Gupta became a part-owner (25–50% of shares)
Companies House
1999
1 April 1999
- Incorporated at Companies House
Companies House
In the full report: all 11 events
- All 11 events in its history (8 shown here)
- Every director appointment and resignation: 3
Firms connected to Next Step Mortgages
Other FCA-listed firms that share a director, phone number or address with Next Step Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Next Step Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In the North London (N) postcode area
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 Mortgages
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
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 11 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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