MORGANS MCGRATH LTD

Reference number: 766334

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • MORGANS MCGRATH LTD (FRN 766334) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use MORGANS MCGRATH's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from MORGANS MCGRATH, 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
10149071
Company status
Active
Company type
Private limited company
Incorporated
27 April 2016 (10 years old)
Registered office
36 Croftfield Crescent, Newton, Swansea, SA3 4UL, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
James Boland Director Nov 1985 27 Apr 2016

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 Cornerstone Finance Group Ltd, 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • J & L Mortgage Services Ltd

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Morgons & McGrath

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Common questions

Frequently asked questions

Is MORGANS MCGRATH LTD FCA authorised?
MORGANS MCGRATH LTD (FRN 766334) 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 MORGANS MCGRATH?
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. MORGANS MCGRATH LTD (FRN 766334) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use MORGANS MCGRATH's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from MORGANS MCGRATH, 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 MORGANS MCGRATH?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for MORGANS MCGRATH's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is MORGANS MCGRATH a scam or clone?
MORGANS MCGRATH 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 MORGANS MCGRATH's Firm Reference Number (FRN)?
MORGANS MCGRATH's FRN is 766334. You can verify it on the FCA register.