Philip Field

Reference number: 940208

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Appointed representative

Philip Field does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Mortgage Saving Experts Limited Reference number: 779662 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.
  • Philip Field (FRN 940208) is an AR of Mortgage Saving Experts Limited (FRN 779662). When you use Philip Field's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Philip Field, 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
  • My Blue Light Mortgage

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 Mortgage Saving Experts 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.

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
  • Philip Field Mortgages

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Common questions

Frequently asked questions

Is Philip Field FCA authorised?
Philip Field (FRN 940208) 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 Philip Field?
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. Philip Field (FRN 940208) is an AR of Mortgage Saving Experts Limited (FRN 779662). When you use Philip Field's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Philip Field, 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 Philip Field?
Protection works through Mortgage Saving Experts Limited, the principal firm responsible for Philip Field's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Philip Field a scam or clone?
Philip Field 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 Philip Field's Firm Reference Number (FRN)?
Philip Field's FRN is 940208. You can verify it on the FCA register.