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 11 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 31 May 2026
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- S J Friend Mortgage Solutions Ltd (FRN 712583) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use S J Friend Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from S J Friend 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
-
Address
25 Christopher Street, London, EC2A 2BS, United Kingdom
In the full report: 2 background checks
- What kind of line 020 7933 9738 is
- Who else gives the postcode EC2A 2BS
Other names (1)
If you were contacted under any of these names, it is this firm.
- John Charcol Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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
- 09600157 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 May 2015 (11 years old)
- Registered office
- 4 Manor Grove, Beckenham, BR3 5LB, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Steven Friend | Director | Sep 1970 | 20 May 2015 | 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
Filed accounts and finances
Net assets
£321k
+2.8% from £312k
Cash at bank
£60.1k
+8.2% from £55.6k
Employees (average)
1
Same as 1
Owed within a year
−£187k
Down £908 from −£186k
Net assets
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 09600157. Figures are exactly as filed; nothing is estimated.
Key dates in its history
S J Friend Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2024
24 May 2024
- Changed its registered name from "SJ Friend Mortgage Solutions Ltd"
FCA register
2016
6 April 2016
- Steven Friend took control (75–100% of shares)
Companies House
2015
1 August 2015
- Became an appointed representative
FCA register
20 May 2015
- Incorporated at Companies House
Companies House
In the full report: all 8 events
- All 8 events in its history (4 shown here)
- Every director appointment and resignation: 3
Firms like S J Friend Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In London
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 S J Friend Mortgage Solutions
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
- 7 years of accounts, charted
- All 8 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is S J Friend Mortgage Solutions Ltd FCA authorised?
What does appointed representative mean for S J Friend Mortgage Solutions?
What is S J Friend Mortgage Solutions’ phone number?
Is S J Friend Mortgage Solutions a scam or clone?
Is my money safe with S J Friend Mortgage Solutions?
Who owns S J Friend Mortgage Solutions?
Who runs S J Friend Mortgage Solutions?
How long has S J Friend Mortgage Solutions been in business?
What do S J Friend Mortgage Solutions’ latest accounts show?
Does S J Friend Mortgage Solutions 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