Nicoll Mortgage Solutions Ltd

Reference number: 987653

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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.
  • Nicoll Mortgage Solutions Ltd (FRN 987653) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nicoll Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nicoll 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.

  • No website on the FCA register

  • Phone number

    07535 282227

  • Address

    57 Lincoln Road, Dunholme, Lincoln, LN2 3QU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07535 282227 is
  • Who else gives the postcode LN2 3QU
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Other names (1)

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

  • Mike Nicoll Mortgages Trading 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
11135755
Company status
Active
Company type
Private limited company
Incorporated
5 January 2018 (8 years old)
Registered office
57 Lincoln Road, Dunholme, Lincoln, LN2 3QU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Nicoll Director Mar 1986 5 Jan 2018 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 31 January 2026Micro-entity accountsNot audited

Net assets

£22.1k

+18% from £18.6k

Employees (average)

1

Same as 1

Owed within a year

£4,760

−33% from £7,143

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
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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 11135755. 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

Nicoll Mortgage Solutions’s history from the FCA register and Companies House, newest first.

2022

24 November 2022

  • Became an appointed representative
  • Began trading as "Mike Nicoll Mortgages"

FCA register

2018

5 January 2018

  • Incorporated at Companies House
  • Michael Nicoll took control (75–100% of shares)
  • Michael Nicoll appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Nicoll Mortgage Solutions

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

In Lincoln

Lincolnshire Co-operative LtdLincolnAppointed representativeA Brown, L J Wakeling & P A IrelandLincolnAppointed representativeARC Broker Services LtdLincolnAppointed representativeBoxed Mortgages LtdLincolnAppointed representativeLincolnshire Property Claims Handlers LimitedLincolnAppointed representativeLink Insure LtdLincolnAppointed 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 Nicoll Mortgage Solutions

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
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Nicoll Mortgage Solutions Ltd FCA authorised?
Nicoll Mortgage Solutions Ltd (FRN 987653) 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 Nicoll Mortgage Solutions?
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. Nicoll Mortgage Solutions Ltd (FRN 987653) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nicoll Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nicoll 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.
What is Nicoll Mortgage Solutions’ phone number?
The FCA register lists the phone number 07535 282227 for Nicoll Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Nicoll Mortgage Solutions a scam or clone?
Nicoll Mortgage Solutions 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 Nicoll Mortgage Solutions?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Nicoll Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Nicoll Mortgage Solutions?
Companies House lists one person with significant control of Nicoll Mortgage Solutions: Mr Michael Nicoll (75–100% of shares).
Who runs Nicoll Mortgage Solutions?
Companies House lists one director of Nicoll Mortgage Solutions: Michael Nicoll.
How long has Nicoll Mortgage Solutions been in business?
The company was formed on 5 January 2018.
What do Nicoll Mortgage Solutions’ latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £22.1k (+18% from £18.6k).
Does Nicoll Mortgage Solutions use any other names?
It trades as Mike Nicoll Mortgages.

Sources and links

The full report on Nicoll Mortgage Solutions Ltd

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