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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 March 2026
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Stratton Thorpe Mortgage Solutions Ltd (FRN 911905) is an AR of Sesame Limited (FRN 150427). When you use Stratton Thorpe Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Stratton Thorpe 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.
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No website on the FCA register
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Phone number
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Address
21 Avocet Way, Banbury, Oxfordshire, OX16 9YA, United Kingdom
In the full report: 2 background checks
- What kind of line 01295 256289 is
- Who else gives the postcode OX16 9YA
Other names (10)
If you were contacted under any of these names, it is this firm.
- Fairford Consultants (Mortgage and Protection Solutions) Trading name: A name it trades under now.
- GS Mortgage and Protection Solutions Trading name: A name it trades under now.
- KJC Mortgages & Protection Trading name: A name it trades under now.
- PHX Mortgages Trading name: A name it trades under now.
- Charnwood Mortgages Former trading name: A name it used to trade under.
- GK Finance Former trading name: A name it used to trade under.
- KD Mortgage Solutions Former trading name: A name it used to trade under.
- KJC Mortgages Former trading name: A name it used to trade under.
- Lords financial Solutions Former trading name: A name it used to trade under.
- Phoenix Mortgage & Protection Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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
- 12091628 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 July 2019 (7 years old)
- Registered office
- 21 Avocet Way, Banbury, OX16 9YA, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Julian David Stratton | Director | Apr 1971 | 8 Jul 2019 | None |
| Peter Roy Thorpe | Director | Sep 1983 | 8 Jul 2019 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£19.9k
+236% from £5,913
Cash at bank
£72.5k
−2.2% from £74.1k
Employees (average)
3
Same as 3
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
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 12091628. 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
Stratton Thorpe Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2019
1 August 2019
- Became an appointed representative
FCA register
8 July 2019
- Incorporated at Companies House
- Julian David Stratton became a part-owner (25–50% of shares)
- Peter Roy Thorpe became a part-owner (25–50% of shares)
Companies House
In the full report: all 22 events
- All 22 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like Stratton Thorpe Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Banbury
HCB Mortgages LtdBanburyAppointed representativeInsight Mortgage Business LimitedBanburyAppointed representativeKentfield Private Finance LimitedBanburyAppointed representativeKielman Mortgages LimitedBanburyAppointed representativeVantage Mortgages LtdBanburyAppointed representativeBreezi Cooling UK LtdBanburyAppointed 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 Stratton Thorpe Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 22 events in its history
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Frequently asked questions about this firm
Is Stratton Thorpe Mortgage Solutions Ltd FCA authorised?
Stratton Thorpe Mortgage Solutions Ltd (FRN 911905) 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 Stratton Thorpe 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. Stratton Thorpe Mortgage Solutions Ltd (FRN 911905) is an AR of Sesame Limited (FRN 150427). When you use Stratton Thorpe Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stratton Thorpe 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 Stratton Thorpe Mortgage Solutions’ phone number?
The FCA register lists the phone number 01295 256289 for Stratton Thorpe Mortgage Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Stratton Thorpe Mortgage Solutions a scam or clone?
Stratton Thorpe 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 Stratton Thorpe Mortgage Solutions?
Protection works through Sesame Limited, the principal firm responsible for Stratton Thorpe Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Stratton Thorpe Mortgage Solutions?
Companies House lists 2 people with significant control of Stratton Thorpe Mortgage Solutions: Mr Julian David Stratton (25–50% of shares) and Mr Peter Roy Thorpe (25–50% of shares).
Who runs Stratton Thorpe Mortgage Solutions?
Companies House lists 2 directors of Stratton Thorpe Mortgage Solutions: Julian David Stratton and Peter Roy Thorpe.
How long has Stratton Thorpe Mortgage Solutions been in business?
The company was formed on 8 July 2019.
What do Stratton Thorpe Mortgage Solutions’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £19.9k (+236% from £5,913) and cash at bank of £72.5k (−2.2% from £74.1k).
Does Stratton Thorpe Mortgage Solutions use any other names?
It trades as Fairford Consultants (Mortgage and Protection Solutions), GS Mortgage and Protection Solutions, KJC Mortgages & Protection and PHX Mortgages. It has previously used 6 other names, including Charnwood Mortgages, GK Finance and KD Mortgage Solutions.
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