Next Step Mortgage Solutions Ltd

Reference number: 517967

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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.
  • Next Step Mortgage Solutions Ltd (FRN 517967) 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 Next Step 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.

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

    0118 328 0106

  • Verified address

    10 Newnham Parade, College Road, Cheshunt, Waltham Cross, Hertfordshire, EN8 9NU, United Kingdom

Also trades as
  • Cactus Financial
  • Lighthouse Mortgages

Company details

From the company's Companies House record.

Company name
NEXT STEP MORTGAGE SOLUTIONS LIMITED
Company number
10017264
Company status
Active
Company type
Private limited company
Incorporated
20 February 2016 (10 years old)
Registered office
10 Newnham Parade College Road, Cheshunt, Hertfordshire, EN8 9NU, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Christopher Stokes Director Sep 1977 20 Feb 2016
Damien Frank Rene Jean Guitton Director Oct 1984 18 Oct 2022

Check on the FCA register → Report a scam →

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.

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Common questions

Frequently asked questions

Is Next Step Mortgage Solutions Ltd FCA authorised?
Next Step Mortgage Solutions Ltd (FRN 517967) 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 Next Step Mortgage Solutions?
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. Next Step Mortgage Solutions Ltd (FRN 517967) 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 Next Step 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.
Is my money safe with Next Step Mortgage Solutions?
Protection works through the principal firm responsible for Next Step Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Next Step Mortgage Solutions a scam or clone?
Next Step Mortgage Solutions 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 Next Step Mortgage Solutions's Firm Reference Number (FRN)?
Next Step Mortgage Solutions's FRN is 517967. You can verify it on the FCA register.