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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £2,478 more than it owned
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Stewart Mortgage Services Limited (FRN 783005) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Stewart Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Stewart 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.
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No website on the FCA register
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Phone number
-
Address
34 Croft Road, Inverness, Highland, IV3 8RS, United Kingdom
In the full report: 2 background checks
- What kind of line 07388 932930 is
- Who else gives the postcode IV3 8RS
Other names (1)
If you were contacted under any of these names, it is this firm.
- Stewart Mortgages & Financial Protection Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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
- SC563519 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 April 2017 (9 years old)
- Registered office
- 34 Croft Road, Inverness, Highland, IV3 8RS, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Moira Stewart | Director | Aug 1975 | 18 Apr 2017 | 1 other company |
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
Filed accounts and finances
Net assets
−£2,478
Up £2,779 from −£5,257
Cash at bank
£33
Up £25 from £8
Employees (average)
2
+100% from 1
Owed within a year
£37.7k
−6.7% from £40.4k
Net assets are negative: on its last balance sheet the company owed £2,478 more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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 SC563519. 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
Stewart Mortgage Services’s history from the FCA register and Companies House, newest first.
2026
10 March 2026
- Began trading as "Stewart Mortgages & Financial Protection"
FCA register
2017
29 June 2017
- Became an appointed representative
FCA register
18 April 2017
- Incorporated at Companies House
- Moira Stewart took control (75–100% of shares)
- Moira Stewart appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Stewart Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Inverness
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 Stewart Mortgage Services
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
- 6 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
Is Stewart Mortgage Services Limited FCA authorised?
What does appointed representative mean for Stewart Mortgage Services?
What is Stewart Mortgage Services’ phone number?
Is Stewart Mortgage Services a scam or clone?
Is my money safe with Stewart Mortgage Services?
Who owns Stewart Mortgage Services?
Who runs Stewart Mortgage Services?
How long has Stewart Mortgage Services been in business?
What do Stewart Mortgage Services’ latest accounts show?
Does Stewart Mortgage Services 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