Stoneygate Mortgages Ltd

Reference number: 781216

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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

First Complete Limited Reference number: 435779 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.
  • Stoneygate Mortgages Ltd (FRN 781216) is an AR of First Complete Limited (FRN 435779). When you use Stoneygate Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stoneygate 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

    07807 353985

  • Address

    29 Southernhay Close, Leicester, LE2 3TW, United Kingdom

In the full report: 2 background checks

  • What kind of line 07807 353985 is
  • Who else gives the postcode LE2 3TW
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Other names (2)

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

  • Stoneygate Mortgages and Protection Trading name
  • Stonygate Mortgage and Protection Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
10689309
Company status
Active
Company type
Private limited company
Incorporated
24 March 2017 (9 years old)
Registered office
19 Warren Park Way, Enderby, Leicester, LE19 4SA, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Clare Elizabeth O'Donovan Director May 1981 24 Mar 2017 None
Timothy Ian O'Donovan Director Jan 1980 1 Jan 2020 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
2
still active
2

In the full report: all 2 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
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£21.3k

Down £18.2k from −£3,050

Cash at bank

£82

−98% from £5,130

Employees (average)

2

−33% from 3

Owed within a year

£35.1k

+70% from £20.7k

Net assets are negative: on its last balance sheet the company owed £21.3k 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
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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 10689309. 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

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

Key events (4) All events (9)

2021

24 March 2021

  • Timothy Ian O'Donovan became a part-owner (25–50% of shares)

Companies House

2017

8 June 2017

  • Became an appointed representative

FCA register

24 March 2017

  • Incorporated at Companies House
  • Clare Elizabeth O'Donovan became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Stoneygate Mortgages

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

In Leicester

Aarti Dilip BharakhadaLeicesterAppointed representativeABP Mortgage Solutions LtdLeicesterAppointed representativeAspire Mortgages (Leicester) LimitedLeicesterAppointed representativeBe Mortgaged LtdLeicesterAppointed representativeChristopher HarveyLeicesterAppointed representativeClear Financial (Leicester) LtdLeicesterAppointed 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 Stoneygate Mortgages

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
  • 6 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Stoneygate Mortgages Ltd FCA authorised?
Stoneygate Mortgages Ltd (FRN 781216) 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 Stoneygate 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. Stoneygate Mortgages Ltd (FRN 781216) is an AR of First Complete Limited (FRN 435779). When you use Stoneygate Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stoneygate 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 Stoneygate Mortgages’ phone number?
The FCA register lists the phone number 07807 353985 for Stoneygate Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Stoneygate Mortgages a scam or clone?
Stoneygate 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 Stoneygate Mortgages?
Protection works through First Complete Limited, the principal firm responsible for Stoneygate Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Stoneygate Mortgages?
Companies House lists 2 people with significant control of Stoneygate Mortgages: Mr Timothy Ian O'Donovan (25–50% of shares) and Mrs Clare Elizabeth O'Donovan (25–50% of shares).
Who runs Stoneygate Mortgages?
Companies House lists 2 directors of Stoneygate Mortgages: Clare Elizabeth O'Donovan and Timothy Ian O'Donovan.
How long has Stoneygate Mortgages been in business?
The company was formed on 24 March 2017.
What do Stoneygate Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£21.3k (down £18.2k from −£3,050) and cash at bank of £82 (−98% from £5,130).
Does Stoneygate Mortgages use any other names?
It trades as Stoneygate Mortgages and Protection. It has previously used the name Stonygate Mortgage and Protection.

Sources and links

The full report on Stoneygate Mortgages Ltd

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