Surrey and City Mortgages Limited
Reference number: 774331
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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.
- Appointed for 9 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 December 2025
- 2 things worth a closer look in the background checks
Responsible principal firm
STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
- Surrey and City Mortgages Limited (FRN 774331) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Surrey and City Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Surrey and City 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.
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Phone number
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Address
124 City Road, London, EC1V 2NX, United Kingdom
In the full report: 3 background checks, 2 things worth a closer look
- When surreyandcity.co.uk first appeared online, and whether it can receive email
- What kind of line 07393 432270 is
- Whether EC1V 2NX is a shared office: 220 other firms give it
Other names (1)
If you were contacted under any of these names, it is this firm.
- Surrey and City Mortgages Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 10522827 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 December 2016 (9 years old)
- Registered office
- 124 City Road, London, EC1V 2NX, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Luke Mcdonagh | Director | Nov 1980 | 13 Dec 2016 | 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
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£2,555
+23% from £2,069
Cash at bank
£18.1k
+65% from £11.0k
Employees (average)
1
Same as 1
Owed within a year
£15.5k
+74% from £8,900
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
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 10522827. 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
Surrey and City Mortgages’s history from the FCA register and Companies House, newest first.
2025
12 March 2025
- Changed its registered name from "Surrey and City Mortgages Ltd"
FCA register
2017
21 December 2017
- Michael Paul Alan Finn stopped being a part-owner
Companies House
17 March 2017
- Became an appointed representative
FCA register
2016
13 December 2016
- Incorporated at Companies House
- Luke McDonagh took control (75–100% of shares)
- Michael Paul Alan Finn became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms like Surrey and City Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In London
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 Surrey and City 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
- 3 background checks on its contact details, 2 flagged
- 7 years of accounts, charted
- All 9 events in its history
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Frequently asked questions about this firm
Is Surrey and City Mortgages Limited FCA authorised?
What does appointed representative mean for Surrey and City Mortgages?
What is Surrey and City Mortgages’ phone number and website?
Is Surrey and City Mortgages a scam or clone?
Is my money safe with Surrey and City Mortgages?
Who owns Surrey and City Mortgages?
Who runs Surrey and City Mortgages?
How long has Surrey and City Mortgages been in business?
What do Surrey and City Mortgages’ latest accounts show?
Does Surrey and City Mortgages 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