Nicol & Sons Limited

Reference number: 777165

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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.
  • Nicol & Sons Limited (FRN 777165) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nicol & Sons's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nicol & Sons, 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 clearviewmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8702 8012 is
  • Who else gives the postcode CM16 7ES
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Other names (3)

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

  • Clear View Mortgages Trading name
  • Met Mortgages Trading name
  • Nicol & Sons 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
10627615
Company status
Active
Company type
Private limited company
Incorporated
20 February 2017 (9 years old)
Registered office
12 Coppice Row, Theydon Bois, Epping, CM16 7ES, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Joseph Nicol Stone Director Feb 1990 20 Feb 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£269k

+40% from £192k

Cash at bank

£238k

+185% from £83.6k

Employees (average)

10

Same as 10

Owed within a year

£51.1k

−38% from £82.1k

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 10627615. 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

Nicol & Sons’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2025

13 March 2025

  • Changed its registered name from "Nicol & Sons Ltd"

FCA register

2020

8 March 2020

  • Nicola Claire Stone became a part-owner (25–50% of shares)

Companies House

2017

21 April 2017

  • Became an appointed representative

FCA register

20 February 2017

  • Incorporated at Companies House
  • Joseph Nicol Stone became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Nicol & Sons

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

In Epping

Anthony Henry CastleEppingAppointed representativeExcel (Life Assurance & Mortgage Consultants) LimitedEppingAuthorisedHorne Dennison LtdEppingAuthorisedJigsaw Money Management LtdEppingAuthorisedKevin Pack Financial Consultants LimitedEppingAuthorisedScott & Goose LLPEppingAuthorised

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 Nicol & Sons

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 8 events in its history

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Frequently asked questions about this firm

Is Nicol & Sons Limited FCA authorised?
Nicol & Sons Limited (FRN 777165) 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 Nicol & Sons?
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. Nicol & Sons Limited (FRN 777165) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nicol & Sons's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nicol & Sons, 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 Nicol & Sons’ phone number and website?
The FCA register lists the phone number 020 8702 8012 and the website clearviewmortgages.co.uk for Nicol & Sons. If you were given different contact details, use these to check with the firm before going any further.
Is Nicol & Sons a scam or clone?
Nicol & Sons 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 Nicol & Sons?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Nicol & Sons's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Nicol & Sons?
Companies House lists 2 people with significant control of Nicol & Sons: Mrs Nicola Claire Stone (25–50% of shares) and Mr Joseph Nicol Stone (25–50% of shares).
Who runs Nicol & Sons?
Companies House lists one director of Nicol & Sons: Joseph Nicol Stone.
How long has Nicol & Sons been in business?
The company was formed on 20 February 2017.
What do Nicol & Sons’ latest accounts show?
Its latest accounts, to 28 February 2025, show net assets of £269k (+40% from £192k) and cash at bank of £238k (+185% from £83.6k).
Does Nicol & Sons use any other names?
It trades as Clear View Mortgages and Met Mortgages. It has previously used the name Nicol & Sons Ltd.

Sources and links

The full report on Nicol & Sons Limited

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