SJ Mortgage Solutions Ltd

Reference number: 461363

Instant download

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

HL Partnership Limited Reference number: 303397 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.
  • SJ Mortgage Solutions Ltd (FRN 461363) is an AR of HL Partnership Limited (FRN 303397). When you use SJ Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SJ 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

    0121 448 0161

  • Address

    Offices 7 & 8, 8 Ladybank, Holloway, Tamworth, B79 7NB, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 448 0161 is
  • Who else gives the postcode B79 7NB
Instant PDF download
Other names (3)

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

  • Phase Mortgages Trading name
  • SJ Financial Solutions Trading name
  • SJMS Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
06008117
Company status
Active
Company type
Private limited company
Incorporated
23 November 2006 (19 years old)
Registered office
3 The Mill Stuart Works, High Street, Stourbridge, DY8 4FA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart John Mosley Director Oct 1975 23 Nov 2006 4 other companies
Deborah Elizabeth Wale Director Feb 1962 28 Feb 2023 2 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
6
closed down
2
still active
4

In the full report: all 6 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
Instant PDF download

Filed accounts and finances

Year to 30 June 2026Micro-entity accountsNot audited

Net assets

−£253

−103% from £8,315

Employees (average)

2

Same as 2

Owed within a year

£16.3k

−43% from £28.6k

Net assets are negative: on its last balance sheet the company owed £253 more than it owned.

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • 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 06008117. 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

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

Key events (5) All events (11)

2023

28 February 2023

  • Deborah Elizabeth Wale became a part-owner (25–50% of shares)

Companies House

2016

23 November 2016

  • Stuart John Mosley became a part-owner (25–50% of shares)

Companies House

2007

2 November 2007

  • Changed its registered name from "S.J. Mortgage Solutions Ltd"

FCA register

2006

13 December 2006

  • Became an appointed representative

FCA register

23 November 2006

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to SJ Mortgage Solutions

Other FCA-listed firms that share a director, phone number or address with SJ Mortgage Solutions. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like SJ Mortgage Solutions

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

In Tamworth

Connect Mortgages & Protection LtdTamworthAppointed representativeCrystal Property Finance LimitedTamworthAppointed representativeDavid BowenTamworthAppointed representativeFuture Home Financial Services LimitedTamworthAppointed representativeMarket Street Mortgages & Protection LimitedTamworthAppointed representativeMovesmart Mortgage Solutions LtdTamworthAppointed 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 SJ Mortgage Solutions

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • 8 years of accounts, charted
  • All 11 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is SJ Mortgage Solutions Ltd FCA authorised?
SJ Mortgage Solutions Ltd (FRN 461363) 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 SJ 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. SJ Mortgage Solutions Ltd (FRN 461363) is an AR of HL Partnership Limited (FRN 303397). When you use SJ Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SJ 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 SJ Mortgage Solutions’ phone number?
The FCA register lists the phone number 0121 448 0161 for SJ Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is SJ Mortgage Solutions a scam or clone?
SJ 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 SJ Mortgage Solutions?
Protection works through HL Partnership Limited, the principal firm responsible for SJ Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SJ Mortgage Solutions?
Companies House lists 2 people with significant control of SJ Mortgage Solutions: Mrs Deborah Elizabeth Wale (25–50% of shares) and Mr Stuart John Mosley (25–50% of shares).
Who runs SJ Mortgage Solutions?
Companies House lists 2 directors of SJ Mortgage Solutions: Stuart John Mosley and Deborah Elizabeth Wale.
How long has SJ Mortgage Solutions been in business?
The company was formed on 23 November 2006.
What do SJ Mortgage Solutions’ latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of −£253 (−103% from £8,315).
Does SJ Mortgage Solutions use any other names?
It trades as Phase Mortgages and SJ Financial Solutions. It has previously used the name SJMS.

Sources and links

The full report on SJ Mortgage Solutions Ltd

£19.99 · Instant PDF download

Loading secure checkout…