Orchard Mortgages Ltd

Reference number: 739013

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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

MGI Network Ltd Reference number: 697649 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.
  • Orchard Mortgages Ltd (FRN 739013) is an AR of MGI Network Ltd (FRN 697649). When you use Orchard Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Orchard Mortgages, 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

    07863 165721

  • Verified address

    41 Inner Loop Road, Beachley, Chepstow, Gloucestershire, NP16 7HF, United Kingdom

Company details

From the company's Companies House record.

Company number
09945836
Company status
Active
Company type
Private limited company
Incorporated
11 January 2016 (10 years old)
Registered office
41 Inner Loop Road, Beachley, Chepstow, NP16 7HF, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Debbie Claire Brown Director Aug 1961 20 Jan 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 MGI Network 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.

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Common questions

Frequently asked questions

Is Orchard Mortgages Ltd FCA authorised?
Orchard Mortgages Ltd (FRN 739013) 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 Orchard Mortgages?
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. Orchard Mortgages Ltd (FRN 739013) is an AR of MGI Network Ltd (FRN 697649). When you use Orchard Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Orchard Mortgages, 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 Orchard Mortgages?
Protection works through MGI Network Ltd, the principal firm responsible for Orchard Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Orchard Mortgages a scam or clone?
Orchard Mortgages 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 Orchard Mortgages's Firm Reference Number (FRN)?
Orchard Mortgages's FRN is 739013. You can verify it on the FCA register.