Capital Gateway Ltd

Reference number: 1044594

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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.

Responsible principal firm

Swoop Finance Limited Reference number: 936513 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.
  • Capital Gateway Ltd (FRN 1044594) is an AR of Swoop Finance Limited (FRN 936513). When you use Capital Gateway's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Capital Gateway, 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.

Company details

From the company's Companies House record.

Company number
16671404
Company status
Active
Company type
Private limited company
Incorporated
26 August 2025 (less than a year old)
Registered office
170 Farmfield Road, Cheltenham, GL51 3RB, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Sibi Joseph Director Apr 1973 26 Aug 2025

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 Swoop Finance 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: 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 Capital Gateway Ltd FCA authorised?
Capital Gateway Ltd (FRN 1044594) 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 Capital Gateway?
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. Capital Gateway Ltd (FRN 1044594) is an AR of Swoop Finance Limited (FRN 936513). When you use Capital Gateway's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Capital Gateway, 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 Capital Gateway?
Protection works through Swoop Finance Limited, the principal firm responsible for Capital Gateway's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Capital Gateway a scam or clone?
Capital Gateway 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 Capital Gateway's Firm Reference Number (FRN)?
Capital Gateway's FRN is 1044594. You can verify it on the FCA register.