Pennine Mortgage Solutions Limited

Reference number: 514459

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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

Mortgage Advice Bureau Limited Reference number: 455545 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.
  • Pennine Mortgage Solutions Limited (FRN 514459) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Pennine Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pennine 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

    01484 817908

  • Address

    12 Mayfair Avenue, Sowood, Halifax, West Yorkshire, HX4 9JH, United Kingdom

In the full report: 2 background checks

  • What kind of line 01484 817908 is
  • Who else gives the postcode HX4 9JH
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Other names (1)

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

  • Mortgage Advice Bureau Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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 name
PENNINE MORTGAGE SOLUTIONS LTD
Company number
07019888
Company status
Active
Company type
Private limited company
Incorporated
15 September 2009 (17 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Roderick Fisher Director Mar 1973 15 Sep 2009 1 other company

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£4,243

<1% from £4,233

Cash at bank

£5,773

−18% from £7,074

Employees (average)

2

Same as 2

Owed within a year

£1,685

−44% from £3,014

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 07019888. 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

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

Key events (6) All events (15)

2026

1 October 2026

  • Jane Adele Darley stopped being a part-owner

Companies House

2016

10 September 2016

  • Jane Adele Darley became a part-owner (25–50% of shares)
  • Roderick Fisher took control (75–100% of shares)

Companies House

2015

2 January 2015

  • Changed its registered name from "Pennine Mortgage Solutions Limited"

FCA register

2009

11 December 2009

  • Became an appointed representative

FCA register

15 September 2009

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 7
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Firms like Pennine Mortgage Solutions

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

In Halifax

Dna Protect LimitedHalifaxAppointed representativeGillian ButterworthHalifaxAppointed representativeMogul Search LtdHalifaxAppointed representativeMortgage CallHalifaxAppointed representativePaul UnsworthHalifaxAppointed representativeSolve Mortgages LtdHalifaxAppointed 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 Pennine Mortgage Solutions

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Pennine Mortgage Solutions Limited FCA authorised?
Pennine Mortgage Solutions Limited (FRN 514459) 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 Pennine 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. Pennine Mortgage Solutions Limited (FRN 514459) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Pennine Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pennine 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 Pennine Mortgage Solutions’ phone number?
The FCA register lists the phone number 01484 817908 for Pennine Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Pennine Mortgage Solutions a scam or clone?
Pennine 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 Pennine Mortgage Solutions?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Pennine Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pennine Mortgage Solutions?
Companies House lists one person with significant control of Pennine Mortgage Solutions: Mr Roderick Fisher (75–100% of shares). Before that, it was controlled by Miss Jane Adele Darley.
Who runs Pennine Mortgage Solutions?
Companies House lists one director of Pennine Mortgage Solutions: Roderick Fisher.
How long has Pennine Mortgage Solutions been in business?
The company was formed on 15 September 2009.
What do Pennine Mortgage Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £4,243 (<1% from £4,233) and cash at bank of £5,773 (−18% from £7,074).
Does Pennine Mortgage Solutions use any other names?
It trades as Mortgage Advice Bureau.

Sources and links

The full report on Pennine Mortgage Solutions Limited

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