Rateswitch Ltd

Reference number: 762308

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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.
  • Rateswitch Ltd (FRN 762308) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Rateswitch's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Rateswitch, 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 rateswitch.uk first appeared online, and whether it can receive email
  • What kind of line 029 2010 0830 is
  • Who else gives the postcode CF11 9LJ
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Other names (1)

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

  • Rateswitch UK 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
10100327
Company status
Active
Company type
Private limited company
Incorporated
4 April 2016 (10 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other information technology service activities (SIC 62090)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Lee Jon Flavin Director Nov 1982 4 Apr 2016 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

−£30.2k

Up £30.6k from −£60.9k

Employees (average)

2

Same as 2

Owed within a year

£28.9k

−23% from £37.6k

Net assets are negative: on its last balance sheet the company owed £30.2k more than it owned.

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
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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 10100327. 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

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

Key events (3) All events (9)

2016

20 October 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Lee Jon Flavin took control (75–100% of shares)

Companies House

4 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (3 shown here)
  • Every director appointment and resignation: 5
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Firms like Rateswitch

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

In the Cardiff (CF) postcode area

1st Choice 4 MortgagesBarryAppointed representativeABP Mortgages LtdBargoedAppointed representativeAcura Mortgage & Life LtdCowbridgeAppointed representativeAgeis LtdBarryAppointed representativeBocc Finance LimitedCardiffAppointed representativeCA Mortgage Services LimitedHengoedAppointed 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 Rateswitch

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
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Rateswitch Ltd FCA authorised?
Rateswitch Ltd (FRN 762308) 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 Rateswitch?
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. Rateswitch Ltd (FRN 762308) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Rateswitch's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Rateswitch, 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 Rateswitch’s phone number and website?
The FCA register lists the phone number 029 2010 0830 and the website rateswitch.uk for Rateswitch. If you were given different contact details, use these to check with the firm before going any further.
Is Rateswitch a scam or clone?
Rateswitch 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 Rateswitch?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Rateswitch's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Rateswitch?
Companies House lists one person with significant control of Rateswitch: Mr Lee Jon Flavin (75–100% of shares).
Who runs Rateswitch?
Companies House lists one director of Rateswitch: Lee Jon Flavin.
How long has Rateswitch been in business?
The company was formed on 4 April 2016.
What do Rateswitch’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of −£30.2k (up £30.6k from −£60.9k).
Does Rateswitch use any other names?
It trades as Rateswitch UK.

Sources and links

The full report on Rateswitch Ltd

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