Cowens Mortgage Solutions Limited

Reference number: 967252

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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

R.A. Cowen & Partners (Financial Services) Limited Reference number: 126112 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.
  • Cowens Mortgage Solutions Limited (FRN 967252) is an AR of R.A. Cowen & Partners (Financial Services) Limited (FRN 126112). When you use Cowens Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cowens 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.

Also trades as
  • Cowens

Company details

From the company's Companies House record.

Company number
13692674
Company status
Active
Company type
Private limited company
Incorporated
20 October 2021 (4 years old)
Registered office
Inbro House, Commercial Gate, Mansfield, Nottinghamshire, NG18 1EU, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
David Thomas Carroll Director Apr 1981 20 Oct 2021
Paul Chaplin Director Jul 1961 20 Oct 2021
Larysa Rundle Director Mar 1988 20 Oct 2021
Philippe Edward David Michou Director Oct 1989 1 Jun 2023

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 R.A. Cowen & Partners (Financial Services) 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 Cowens Mortgage Solutions Limited FCA authorised?
Cowens Mortgage Solutions Limited (FRN 967252) 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 Cowens 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. Cowens Mortgage Solutions Limited (FRN 967252) is an AR of R.A. Cowen & Partners (Financial Services) Limited (FRN 126112). When you use Cowens Mortgage Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cowens 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 Cowens Mortgage Solutions?
Protection works through R.A. Cowen & Partners (Financial Services) Limited, the principal firm responsible for Cowens Mortgage Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cowens Mortgage Solutions a scam or clone?
Cowens 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 Cowens Mortgage Solutions's Firm Reference Number (FRN)?
Cowens Mortgage Solutions's FRN is 967252. You can verify it on the FCA register.