Brighter Mortgage Solutions Group Ltd

Reference number: 828498

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

The FCA register does not name a principal for this 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.
  • Brighter Mortgage Solutions Group Ltd (FRN 828498) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Brighter Mortgage Solutions Group, 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.

Identity

Check their details

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

  • Verified phone number

    01832 599007

  • Verified address

    2 Water Street, Stamford, Lincolnshire, PE9 2NJ, United Kingdom

Also trades as
  • C&D Mortgages & Insurance
  • JLH Mortgages

Company details

From the company's Companies House record.

Company number
11571172
Company status
Active
Company type
Private limited company
Incorporated
17 September 2018 (7 years old)
Registered office
2 Water Street, Stamford, PE9 2NJ, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Matthew James Southgate Sands Director May 1974 17 Sep 2018

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Brighter Mortgage Solutions Ltd

Names it no longer trades under

This firm has retired 15 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • EMS Mortgages & Protection
  • Happinest Independent Mortgage Advice
  • HJS Mortgages
  • March Mortgage & Protection
  • Mortgage Happy
  • MSR Financial Services
  • Northside Mortgages and Finance
  • Prudent Mortgages & Protection
  • RCS Mortgages
  • Secure Financial Services
  • Secure Financial Solutions
  • Serene Mortgages
  • The Mortgage & Protection Company
  • Woodpecker Mortgages
  • Zebra Mortgages & Protection

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Common questions

Frequently asked questions

Is Brighter Mortgage Solutions Group Ltd FCA authorised?
Brighter Mortgage Solutions Group Ltd (FRN 828498) 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 Brighter Mortgage Solutions Group?
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. Brighter Mortgage Solutions Group Ltd (FRN 828498) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Brighter Mortgage Solutions Group, 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.
Is my money safe with Brighter Mortgage Solutions Group?
Protection works through the principal firm responsible for Brighter Mortgage Solutions Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Brighter Mortgage Solutions Group a scam or clone?
Brighter Mortgage Solutions Group is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Brighter Mortgage Solutions Group's Firm Reference Number (FRN)?
Brighter Mortgage Solutions Group's FRN is 828498. You can verify it on the FCA register.