Stead Mortgages Limited

Reference number: 623881

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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.
  • Stead Mortgages Limited (FRN 623881) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Stead Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stead Mortgages, 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

    07704 441246

  • Address

    4 Esthwaite Green, Kendal, Cumbria, LA9 7RZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07704 441246 is
  • Who else gives the postcode LA9 7RZ
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Other names (2)

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

  • Stead Independent Mortgages Ltd Former name
  • Stead Mortgages 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
06949829
Company status
Active
Company type
Private limited company
Incorporated
1 July 2009 (17 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Administration of financial markets (SIC 66110)

Directors and company secretaries

Name Role Born Appointed Other companies
Kevin Kendall Stead Director Aug 1975 1 Jul 2009 1 other company
Kate Alexandra Stead Secretary Not published 30 Jun 2019 –

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
closed down
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
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£170k

+18% from £144k

Employees (average)

2

Same as 2

Owed within a year

£43.8k

−3.4% from £45.3k

Assets and liabilities

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
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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 06949829. 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

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

2025

15 February 2025

  • Changed its registered name from "Stead Mortgages Ltd"

FCA register

2023

30 July 2023

  • Kate Alexandra Stead became a part-owner (25–50% of shares)

Companies House

2016

1 July 2016

  • Kevin Kendall Stead became the majority owner (50–75% of shares)

Companies House

2015

14 December 2015

  • Changed its registered name from "Stead Independent Mortgages Ltd"

FCA register

2014

21 May 2014

  • Became an appointed representative

FCA register

2009

1 July 2009

  • Incorporated at Companies House
  • Kevin Kendall Stead appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Stead Mortgages

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

In Kendal

Eden Mortgages and Protection LtdKendalAppointed representativeLakeland Commercial Finance LtdKendalAppointed representativeWestmorland Mortgage Advice Centre LimitedKendalAppointed representativeLakeland Finance LtdKendalAuthorised

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 Stead Mortgages

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 7 events in its history

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Frequently asked questions about this firm

Is Stead Mortgages Limited FCA authorised?
Stead Mortgages Limited (FRN 623881) 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 Stead Mortgages?
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. Stead Mortgages Limited (FRN 623881) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Stead Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stead Mortgages, 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 Stead Mortgages’ phone number?
The FCA register lists the phone number 07704 441246 for Stead Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Stead Mortgages a scam or clone?
Stead Mortgages 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 Stead Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Stead Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Stead Mortgages?
Companies House lists 2 people with significant control of Stead Mortgages: Mr Kevin Kendall Stead (50–75% of shares) and Mrs Kate Alexandra Stead (25–50% of shares).
Who runs Stead Mortgages?
Companies House lists one director of Stead Mortgages: Kevin Kendall Stead.
How long has Stead Mortgages been in business?
The company was formed on 1 July 2009.
What do Stead Mortgages’ latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £170k (+18% from £144k).
Does Stead Mortgages use any other names?
It has previously used 2 other names: Stead Independent Mortgages Ltd and Stead Mortgages Ltd.

Sources and links

The full report on Stead Mortgages Limited

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