Westrose Mortgages Ltd

Reference number: 968389

Instant download

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.
  • Westrose Mortgages Ltd (FRN 968389) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Westrose Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Westrose 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.

  • No website on the FCA register

  • Phone number

    07963 477064

  • Address

    Riverside House, Unit 2, Greenhill Industrial Estate, Mytholmroyd, Hebden Bridge, West Yorkshire, HX7 5QF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07963 477064 is
  • Who else gives the postcode HX7 5QF
Instant PDF download
Other names (3)

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

  • Westrose Mortgage & Insurance Brokers Trading name
  • Westrose Mortgage & Insurance Brokers Ltd Former name
  • Yorkshire Rose Mortgages Ltd Former 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
13630988
Company status
Active
Company type
Private limited company
Incorporated
20 September 2021 (5 years old)
Registered office
8 Calder Terrace, Mytholmroyd, Hebden Bridge, HX7 5AA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Julie Wilby Director Nov 1971 20 Sep 2021 None
Julie Wilby Secretary Not published 20 Sep 2021 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

−£3,881

Up £3,938 from −£7,819

Employees (average)

2

Same as 2

Owed within a year

£10.4k

−3.6% from £10.8k

Net assets are negative: on its last balance sheet the company owed £3,881 more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 13630988. 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

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

Key events (8) All events (12)

2024

15 October 2024

  • Changed its registered name from "Westrose Mortgage & Insurance Brokers Ltd"

FCA register

14 October 2024

  • Changed its registered name from "Westrose Mortgages Ltd"
  • Changed its registered name from "Yorkshire Rose Mortgages Ltd"

FCA register

17 September 2024

  • Gary Lumb stopped being a part-owner

Companies House

2022

23 January 2022

  • Became an appointed representative

FCA register

2021

20 September 2021

  • Incorporated at Companies House
  • Gary Lumb became a part-owner (25–50% of shares)
  • Julie Wilby became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms like Westrose Mortgages

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

In Hebden Bridge

HW Mortgage Solutions LtdHebden BridgeAppointed representativeWildman Mortgages LtdHebden BridgeAppointed representative

In the Halifax (HX) postcode area

Dna Protect LimitedHalifaxAppointed representativeFull Circle Asset Finance LimitedEllandAppointed representativeGillian ButterworthHalifaxAppointed representativeMedici Financial Services LtdSowerby BridgeAppointed 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 Westrose Mortgages

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 12 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Westrose Mortgages Ltd FCA authorised?
Westrose Mortgages Ltd (FRN 968389) 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 Westrose 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. Westrose Mortgages Ltd (FRN 968389) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Westrose Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Westrose 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 Westrose Mortgages’ phone number?
The FCA register lists the phone number 07963 477064 for Westrose Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Westrose Mortgages a scam or clone?
Westrose 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 Westrose Mortgages?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Westrose Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Westrose Mortgages?
Companies House lists one person with significant control of Westrose Mortgages: Ms Julie Wilby (25–50% of shares). Before that, it was controlled by Mr Gary Lumb.
Who runs Westrose Mortgages?
Companies House lists one director of Westrose Mortgages: Julie Wilby.
How long has Westrose Mortgages been in business?
The company was formed on 20 September 2021.
What do Westrose Mortgages’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£3,881 (up £3,938 from −£7,819).
Does Westrose Mortgages use any other names?
It trades as Westrose Mortgage & Insurance Brokers. It has previously used 2 other names: Westrose Mortgage & Insurance Brokers Ltd and Yorkshire Rose Mortgages Ltd.

Sources and links

The full report on Westrose Mortgages Ltd

£19.99 · Instant PDF download

Loading secure checkout…