Stock was born in Margate, Kent, England in 1951 and grew up in Swanley, Kent. He attended White Oak primary school and Swanley comprehensive school. At Swanley school he was involved in several school variety productions. He was self-taught in playing the piano and guitar and began writing songs at the age of seven. Inspired by The Beatles he soon became fixated with pop music and put together his first band at age 13, playing bass guitar and singing. Fascinated by the popular songwriting styles of Rodgers and Hammerstein, and writers such as Irving Berlin and the energy and freshness of The Beatles, he established a deep love of pop music. Stock signed a publishing contract when he was nineteen after earning a reputation as a budding songwriter, although no one had suggested a full-time career in the music world was a possibility.  In 1970 Stock earned a placement at the University of Hull to study Drama and Theology and formed a band with a fellow student, the later acclaimed Oscar-winning director, Anthony Minghella. Whilst at Hull, Stock met his wife Bobbie and left university when she graduated to concentrate his efforts in making it in music. In 1975 they married and soon after, sold their house in Bury, Lancashire to move back south  Stock played his first paid, solo gig at Aveley Working Men's Club in Essex in 1976, earning twenty five pounds. By the late 1970s Stock, now living in Blackheath, South London, was performing up and down the country. Performing solo, in a duo or with bands Mirage and Nightwork, Stock gained a good reputation for his live performances and was regularly booked for venues like the Hilton Hotel, Grosvenor House and the Dorchester in Mayfair. Throughout 1979 to 1981 Stock was gigging every night of the week in various bands embracing pop, dance, old standards, rock or funk.  Stock's band had gone through several guitar players before he was alerted to Matt Aitken; a guitarist who had been spotted by another member of his band working on a cruise ship. Stock contacted Aitken to offer him a role in the band. Playing on cruise ships and in various bands of his own, Aitken was an accomplished guitarist whose style could adapt to any type of music.  In 1982 Stock moved to Abbey Wood, South London where, along with Matt Aitken he acquired a recording desk and tape machine and formed his first record label. During the break of one of Mirage's sets on New Year's Eve 1983, Stock informed the band he would be leaving and was going into the studio to pursue his career as a songwriter and producer. Matt Aitken agreed to join him and from January 1984 onwards the pair worked exclusively in recording studios.

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