Thrive Mortgage and Protection Ltd

Reference number: 1029849

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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.
  • Thrive Mortgage and Protection Ltd (FRN 1029849) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Thrive Mortgage and Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Thrive Mortgage and Protection, 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

    07399 478072

  • Address

    Suite E341, E Mill, Dean Clough, Halifax, HX3 5AX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07399 478072 is
  • Who else gives the postcode HX3 5AX
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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
16294172
Company status
Active
Company type
Private limited company
Incorporated
5 March 2025 (1 year old)
Registered office
Suite E341 E Mill, Dean Clough, Halifax, HX3 5AX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Luke Ratcliffe Director Mar 1995 5 Mar 2025 None
Coe Byrne Director Jun 1992 28 Mar 2025 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 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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Key dates in its history

Thrive Mortgage and Protection’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2025

9 April 2025

  • Became an appointed representative

FCA register

28 March 2025

  • Coe Byrne became a part-owner (25–50% of shares)

Companies House

5 March 2025

  • Incorporated at Companies House
  • Luke Ratcliffe became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Thrive Mortgage and Protection

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

In Halifax

Dna Protect LimitedHalifaxAppointed representativeGillian ButterworthHalifaxAppointed representativeMogul Search LtdHalifaxAppointed representativeMortgage CallHalifaxAppointed representativePaul UnsworthHalifaxAppointed representativePennine Mortgage Solutions LimitedHalifaxAppointed 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 Thrive Mortgage and Protection

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

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Frequently asked questions about this firm

Is Thrive Mortgage and Protection Ltd FCA authorised?
Thrive Mortgage and Protection Ltd (FRN 1029849) 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 Thrive Mortgage and Protection?
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. Thrive Mortgage and Protection Ltd (FRN 1029849) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Thrive Mortgage and Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Thrive Mortgage and Protection, 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 Thrive Mortgage and Protection’s phone number?
The FCA register lists the phone number 07399 478072 for Thrive Mortgage and Protection. If you were given different contact details, use these to check with the firm before going any further.
Is Thrive Mortgage and Protection a scam or clone?
Thrive Mortgage and Protection 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 Thrive Mortgage and Protection?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Thrive Mortgage and Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Thrive Mortgage and Protection?
Companies House lists 2 people with significant control of Thrive Mortgage and Protection: Mr Coe Byrne (25–50% of shares) and Luke Ratcliffe (25–50% of shares).
Who runs Thrive Mortgage and Protection?
Companies House lists 2 directors of Thrive Mortgage and Protection: Luke Ratcliffe and Coe Byrne.
How long has Thrive Mortgage and Protection been in business?
The company was formed on 5 March 2025.

Sources and links

The full report on Thrive Mortgage and Protection Ltd

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