Nina White

Reference number: 1020312

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Appointed representative

Nina White does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • Nina White (FRN 1020312) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nina White's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nina White, 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

    07885 422549

  • Address

    12 Station Road, Colne Engaine, Colchester, Essex, CO6 2ES, United Kingdom

In the full report: 2 background checks

  • What kind of line 07885 422549 is
  • Who else gives the postcode CO6 2ES
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Other names (1)

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

  • Ladder Up Mortgage and Protection Solutions 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.

Key dates in its history

Nina White’s history from the FCA register and Companies House, newest first.

2025

17 September 2025

  • Stopped trading as "Ladder Up Mortgage and Protection Solutions"

FCA register

2024

25 October 2024

  • Became an appointed representative
  • Began trading as "Ladder Up Mortgage and Protection Solutions"

FCA register

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

Firms like Nina White

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

In Colchester

Andromeda Specialist Finance LtdColchesterAppointed representativeAnglian Mortgage Services LimitedColchesterAppointed representativeColchester Mortgage Solutions LtdColchesterAppointed representativeDarren LeggettColchesterAppointed representativeDavid and Partners Financial Services LimitedColchesterAppointed representativeEast Coast Mortgage LtdColchesterAppointed 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 Nina White

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

  • 2 background checks on its contact details
  • All 3 events in its history

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Frequently asked questions about this firm

Is Nina White FCA authorised?
Nina White (FRN 1020312) 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 Nina White?
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. Nina White (FRN 1020312) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Nina White's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nina White, 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 Nina White’s phone number?
The FCA register lists the phone number 07885 422549 for Nina White. If you were given different contact details, use these to check with the firm before going any further.
Is Nina White a scam or clone?
Nina White 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 Nina White?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Nina White's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Nina White use any other names?
It trades as Ladder Up Mortgage and Protection Solutions.

Sources and links

The full report on Nina White

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