Top Mortgage Solutions Limited
Reference number: 487698
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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 18 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 30 April 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
Mortgage Next Network Limited Reference number: 300866 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.
- Top Mortgage Solutions Limited (FRN 487698) is an AR of Mortgage Next Network Limited (FRN 300866). When you use Top Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Top 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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Phone number
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Address
5 High Street, Rhuddlan, Rhyl, Denbighshire, LL18 2UB, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When lsrmortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 023 8112 0013 is
- Who else gives the postcode LL18 2UB
Other names (5)
If you were contacted under any of these names, it is this firm.
- LSR Mortgages Trading name: A name it trades under now.
- Simon Rushbrooke Former name: A name it was registered under before.
- Top Mortgage Solutions Former name: A name it was registered under before.
- Military Mortgage Services Former trading name: A name it used to trade under.
- The Equity Release Foundation Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Next Network 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
- 09559975 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 April 2015 (11 years old)
- Registered office
- 5 High Street, Rhuddlan, Rhyl, LL18 2UB, Wales
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon George Rushbrooke | Director | Sep 1974 | 24 Apr 2015 | None |
| Lyndsey Ann Rushbrooke | Director | May 1978 | 28 Sep 2019 | 2 other companies |
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 companies
- 2
- still active
- 2
In the full report: all 2 companies, 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
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£6,040
Up £5,920 from £120
Employees (average)
1
Same as 1
Owed within a year
£8,541
+16% from £7,387
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 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 09559975. 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
Top Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2025
1 February 2025
- Lyndsey Ann Rushbrooke stopped being a part-owner
Companies House
2019
28 September 2019
- Lyndsey Ann Rushbrooke became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- Simon Rushbrooke became a part-owner (25–50% of shares)
Companies House
2015
25 August 2015
- Changed its registered name from "Simon Rushbrooke"
FCA register
24 April 2015
- Incorporated at Companies House
Companies House
20 March 2015
- Changed its registered name from "Top Mortgage Solutions"
FCA register
2008
15 August 2008
- Became an appointed representative
FCA register
In the full report: all 18 events
- All 18 events in its history (7 shown here)
- Every director appointment and resignation: 4
Firms connected to Top Mortgage Solutions
Other FCA-listed firms that share a director, phone number or address with Top Mortgage Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Top Mortgage Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Rhyl
In the Llandudno (LL) postcode area
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 Top Mortgage Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 18 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Top Mortgage Solutions Limited FCA authorised?
What does appointed representative mean for Top Mortgage Solutions?
What is Top Mortgage Solutions’ phone number and website?
Is Top Mortgage Solutions a scam or clone?
Is my money safe with Top Mortgage Solutions?
Who owns Top Mortgage Solutions?
Who runs Top Mortgage Solutions?
How long has Top Mortgage Solutions been in business?
What do Top Mortgage Solutions’ latest accounts show?
Does Top Mortgage Solutions 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