Think Mortgages Ltd

Reference number: 403494

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Think Mortgages Ltd (FRN 403494) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Think Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Think 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.

In the full report: 3 background checks

  • When thinkmortgagesltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01344 421333 is
  • Who else gives the postcode RG12 9NT
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Other names (3)

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

  • Think Mortgages Limited Former name
  • Atlantas Financial Services Former trading name
  • London Property Finance Mortgage Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
05073705
Company status
Active
Company type
Private limited company
Incorporated
15 March 2004 (22 years old)
Registered office
20 Wylam, Bracknell, Berkshire, RG12 8XS, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Edward Bennett Director Aug 1969 15 Mar 2004 6 other companies

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 companies
6
closed down
5
still active
1

In the full report: all 6 companies, 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 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2026Micro-entity accountsNot audited

Net assets

−£12.8k

Up £3,734 from −£16.5k

Employees (average)

4

−20% from 5

Owed within a year

£17.7k

+281% from £4,652

Net assets are negative: on its last balance sheet the company owed £12.8k more than it owned.

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
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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 05073705. 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

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

Key events (4) All events (13)

2025

15 September 2025

  • Changed its registered name from "Think Mortgages Limited"

FCA register

2016

6 April 2016

  • Carl Edward Bennett took control (75–100% of shares)

Companies House

2004

6 September 2004

  • Became an appointed representative

FCA register

15 March 2004

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (4 shown here)
  • Every director appointment and resignation: 5
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Firms like Think Mortgages

Other firms of the same type (insurance broker), nearest first.

In Bracknell

Dalvi Wealth Management LtdBracknellAppointed representativeHealth Chambers LimitedBracknellAppointed representativeMerriman & Associates LimitedBracknellAppointed representativeQ Assure Build LtdBracknellAppointed representativeSyngenta LimitedBracknellAppointed representativeEcoeus LimitedBracknellAppointed 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 Think Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Think Mortgages Ltd FCA authorised?
Think Mortgages Ltd (FRN 403494) 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 Think 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. Think Mortgages Ltd (FRN 403494) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Think Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Think 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 Think Mortgages’ phone number and website?
The FCA register lists the phone number 01344 421333 and the website thinkmortgagesltd.co.uk for Think Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Think Mortgages a scam or clone?
Think 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 Think Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Think Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Think Mortgages?
Companies House lists one person with significant control of Think Mortgages: Mr Carl Edward Bennett (75–100% of shares).
Who runs Think Mortgages?
Companies House lists one director of Think Mortgages: Carl Edward Bennett.
How long has Think Mortgages been in business?
The company was formed on 15 March 2004.
What do Think Mortgages’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of −£12.8k (up £3,734 from −£16.5k).
Does Think Mortgages use any other names?
It has previously used 3 other names: Think Mortgages Limited, Atlantas Financial Services and London Property Finance Mortgage Services.

Sources and links

The full report on Think Mortgages Ltd

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