Cornell De Mel Home Finance Ltd

Reference number: 1049900

Instant download

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.
  • Cornell De Mel Home Finance Ltd (FRN 1049900) 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 Cornell De Mel Home Finance, 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

    01242 783066

  • Verified address

    Willow End, Stoke Orchard Road, Bishops Cleeve, Cheltenham, Gloucestershire, GL52 7DG, United Kingdom

Also trades as
  • CDM Home Finance

Company details

From the company's Companies House record.

Company number
16636220
Company status
Active
Company type
Private limited company
Incorporated
7 August 2025 (1 year old)
Registered office
1st Floor, 105 Church Street, Tewkesbury, Gloucestershire, GL20 5AB, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Johanna Cornell Director Jul 1978 7 Aug 2025
Paul Stuart Cornell Director Apr 1976 7 Aug 2025
Michel Christopher James De Mel Director Jun 1984 7 Aug 2025
Rosemary Elizabeth De Mel Director Sep 1992 7 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 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Cornell De Mel Home Finance Ltd FCA authorised?
Cornell De Mel Home Finance Ltd (FRN 1049900) 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 Cornell De Mel Home Finance?
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. Cornell De Mel Home Finance Ltd (FRN 1049900) 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 Cornell De Mel Home Finance, 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 Cornell De Mel Home Finance?
Protection works through the principal firm responsible for Cornell De Mel Home Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cornell De Mel Home Finance a scam or clone?
Cornell De Mel Home Finance 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 Cornell De Mel Home Finance's Firm Reference Number (FRN)?
Cornell De Mel Home Finance's FRN is 1049900. You can verify it on the FCA register.