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 2010
- Accounts filed up to 31 January 2025
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Opal Mortgage Services Limited (FRN 522420) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Opal Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Opal Mortgage Services, 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
8 Kingston Road, Willerby, Hull, East Riding of Yorksire, HU10 6BN, United Kingdom
In the full report: 2 background checks
- What kind of line 01482 470444 is, and the other firm that gives it
- Who else gives the postcode HU10 6BN
Other names (4)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- Opal Mortgage Services Ltd Former name: A name it was registered under before.
- Stanifords Financial Services Former trading name: A name it used to trade under.
- Staniforth Financial Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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
- 07131449 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 January 2010 (16 years old)
- Registered office
- 8 Kingston Road, Willerby, Hull, HU10 6BN, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Robert Victor Beercock | Director | Nov 1955 | 20 Jan 2010 | 4 other companies |
| Alexander Ross Knaggs | Director | Mar 1976 | 25 Nov 2011 | 8 other companies |
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
- 12
- closed down
- 7
- are FCA-registered
- 3
In the full report: all 12 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
- The 3 on the FCA register
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£156k
+53% from £102k
Cash at bank
£152k
+20% from £127k
Employees (average)
14
Same as 14
Owed within a year
£31.1k
+5.1% from £29.6k
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 07131449. 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
Opal Mortgage Services’s history from the FCA register and Companies House, newest first.
2024
28 February 2024
- Changed its registered name from "Opal Mortgage Services Ltd"
FCA register
2021
10 February 2021
- Alexander Ross Knaggs stopped being a part-owner
- Mortgage Hub Group Ltd became a part-owner (25–50% of shares)
Companies House
29 January 2021
- Beercocks Limited became a part-owner (25–50% of shares)
- Robert Victor Beercock stopped being a part-owner
Companies House
2016
6 April 2016
- Alexander Ross Knaggs became a part-owner (25–50% of shares)
- Robert Victor Beercock became a part-owner (25–50% of shares)
Companies House
2010
19 April 2010
- Became an appointed representative
FCA register
20 January 2010
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (9 shown here)
- Every director appointment and resignation: 4
Firms connected to Opal Mortgage Services
Other FCA-listed firms that share a director, phone number or address with Opal Mortgage Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its phone number
- 1
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same phone number (1), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Opal Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Hull
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 Opal Mortgage Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 12 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 18 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Opal Mortgage Services Limited FCA authorised?
What does appointed representative mean for Opal Mortgage Services?
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Is Opal Mortgage Services a scam or clone?
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Who owns Opal Mortgage Services?
Who runs Opal Mortgage Services?
How long has Opal Mortgage Services been in business?
What do Opal Mortgage Services’ latest accounts show?
Does Opal Mortgage Services 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