Root Mortgage Services Limited

Reference number: 954678

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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.
  • Root Mortgage Services Limited (FRN 954678) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Root Mortgage Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Root 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.

  • No website on the FCA register

  • Phone number

    07950 620621

  • Address

    1 Cleveland Street, Birkenhead, Wirral, CH41 6ND, United Kingdom

In the full report: 2 background checks

  • What kind of line 07950 620621 is
  • Who else gives the postcode CH41 6ND
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Other names (2)

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

  • Root Mortgage Services Former name
  • Root Mortgage Services Ltd Former 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
13597549
Company status
Active
Company type
Private limited company
Incorporated
1 September 2021 (5 years old)
Registered office
35b Market Street, Hoylake, Wirral, CH47 2BG, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Rhys Allan Davidson Director Jan 1993 1 Sep 2021 2 other companies

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 companies
2
closed down
2

In the full report: all 2 companies, 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

18 months to 31 March 2025Micro-entity accountsNot audited

Net assets

£10.9k

+473% from £1,905

Employees (average)

3

Same as 3

Owed within a year

£20.7k

+41% from £14.7k

Assets and liabilities

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 13597549. 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

Root Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (7) All events (10)

2025

30 May 2025

  • Changed its registered name from "Root Mortgage Services Ltd"

FCA register

31 January 2025

  • Kieran Joe Woolley stopped being a part-owner

Companies House

2022

12 January 2022

  • Changed its registered name from "Root Mortgage Services"

FCA register

2021

1 September 2021

  • Incorporated at Companies House
  • Kieran Joe Woolley became a part-owner (25–50% of shares)
  • Rhys Allan Davidson took control (75–100% of shares)

Companies House

14 July 2021

  • Became an appointed representative

FCA register

In the full report: all 10 events

  • All 10 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Root Mortgage Services

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

In Birkenhead

Abacus Mortgage & Protection Advice LtdBirkenheadAppointed representative

In the Chester (CH) postcode area

Quidco LimitedDeesideAppointed representativeA Penny Saved LtdWirralAppointed representativeA Transparent Financial Solution LimitedSandycroftAppointed representativeAnother Place (Mortgage Brokers) LtdChesterAppointed representativeAnthony RowanWirralAppointed 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 Root Mortgage Services

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is Root Mortgage Services Limited FCA authorised?
Root Mortgage Services Limited (FRN 954678) 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 Root Mortgage Services?
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. Root Mortgage Services Limited (FRN 954678) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Root Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Root 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.
What is Root Mortgage Services’ phone number?
The FCA register lists the phone number 07950 620621 for Root Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Root Mortgage Services a scam or clone?
Root Mortgage Services 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 Root Mortgage Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Root Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Root Mortgage Services?
Companies House lists one person with significant control of Root Mortgage Services: Mr Rhys Allan Davidson (75–100% of shares). Before that, it was controlled by Mr Kieran Joe Woolley.
Who runs Root Mortgage Services?
Companies House lists one director of Root Mortgage Services: Rhys Allan Davidson.
How long has Root Mortgage Services been in business?
The company was formed on 1 September 2021.
What do Root Mortgage Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £10.9k (+473% from £1,905).
Does Root Mortgage Services use any other names?
It has previously used 2 other names: Root Mortgage Services and Root Mortgage Services Ltd.

Sources and links

The full report on Root Mortgage Services Limited

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