Storm Mortgages Ltd

Reference number: 412178

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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

Advance Mortgage Funding Limited Reference number: 305008 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.
  • Storm Mortgages Ltd (FRN 412178) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Storm Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Storm 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

    07793 536319

  • Address

    13 - 14 Neptune Court, Cardiff, CF24 5PJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07793 536319 is
  • Who else gives the postcode CF24 5PJ
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Other names (1)

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

  • First Rate Mortgage Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Advance Mortgage Funding 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 name
STORM MORTGAGES LIMITED
Company number
04834620
Company status
Active
Company type
Private limited company
Incorporated
16 July 2003 (23 years old)
Registered office
Gladstone House 2 Church Road, Wavertree, Liverpool, L15 9EG, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Morgan Director Oct 1962 16 Jul 2003 1 other company
Susan Fleur Parry Director Sep 1970 17 Oct 2024 1 other company

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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£2,483

−90% from £24.3k

Employees (average)

0

Same as 0

Owed within a year

£9,933

+39% from £7,128

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 04834620. 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

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

Key events (3) All events (8)

2016

18 July 2016

  • Andrew Morgan took control (75–100% of shares)

Companies House

2004

31 October 2004

  • Became an appointed representative

FCA register

2003

16 July 2003

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (3 shown here)
  • Every director appointment and resignation: 4
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Firms like Storm Mortgages

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

In Cardiff

Bocc Finance LimitedCardiffAppointed representativeCeltic Finance LtdCardiffAppointed representativeColin MorganCardiffAppointed representativeComplex Capital LimitedCardiffAppointed representativeDJC Financial Solutions LtdCardiffAppointed representativeEzra Finance LtdCardiffAppointed 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 Storm 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
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Storm Mortgages Ltd FCA authorised?
Storm Mortgages Ltd (FRN 412178) 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 Storm 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. Storm Mortgages Ltd (FRN 412178) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Storm Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Storm 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 Storm Mortgages’ phone number?
The FCA register lists the phone number 07793 536319 for Storm Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Storm Mortgages a scam or clone?
Storm 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 Storm Mortgages?
Protection works through Advance Mortgage Funding Limited, the principal firm responsible for Storm Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Storm Mortgages?
Companies House lists one person with significant control of Storm Mortgages: Mr Andrew Morgan (75–100% of shares).
Who runs Storm Mortgages?
Companies House lists 2 directors of Storm Mortgages: Andrew Morgan and Susan Fleur Parry.
How long has Storm Mortgages been in business?
The company was formed on 16 July 2003.
What do Storm Mortgages’ latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £2,483 (−90% from £24.3k).
Does Storm Mortgages use any other names?
It trades as First Rate Mortgage Solutions.

Sources and links

The full report on Storm Mortgages Ltd

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