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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 March 2026
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.
- The Mortgage Account Ltd (FRN 947470) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use The Mortgage Account's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from The Mortgage Account, 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
43 Woodlands Park, Whalley, Clitheroe, Lancashire, BB7 9UG, United Kingdom
In the full report: 2 background checks
- What kind of line 07480 045007 is
- Who else gives the postcode BB7 9UG
Other names (2)
If you were contacted under any of these names, it is this firm.
- Serena Smith Former name: A name it was registered under before.
- Mortgages with Serena Former trading name: A name it used to trade under.
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
- 15563084 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 March 2024 (2 years old)
- Registered office
- 43 Woodlands Park, Whalley, Clitheroe, BB7 9UG, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Serena Robyn Astrid Smith | Director | Nov 1986 | 14 Mar 2024 | 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
£160
No earlier figure to compare
Cash at bank
£66
No earlier figure to compare
Employees (average)
1
Up 1 from 0
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 15563084. 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
The Mortgage Account’s history from the FCA register and Companies House, newest first.
2025
16 September 2025
- Changed its registered name from "Serena Smith"
FCA register
2024
14 March 2024
- Incorporated at Companies House
- Serena Robyn Astrid Smith took control (75–100% of shares)
Companies House
2021
18 March 2021
- Became an appointed representative
FCA register
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms like The Mortgage Account
Other firms of the same type (mortgage adviser or broker), nearest first.
In Clitheroe
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 The Mortgage Account
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
- All 7 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
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Who owns The Mortgage Account?
Who runs The Mortgage Account?
How long has The Mortgage Account been in business?
What do The Mortgage Account’s latest accounts show?
Does The Mortgage Account 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