Rachael Louise Payne

Reference number: 1053626

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Appointed representative

Rachael Louise Payne 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

The Right Mortgage Limited Reference number: 649443 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.
  • Rachael Louise Payne (FRN 1053626) is an AR of The Right Mortgage Limited (FRN 649443). When you use Rachael Louise Payne's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Rachael Louise Payne, 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

    07800 873846

  • Verified address

    145 Rye Hill, Bere Regis, Wareham, Dorset, BH20 7LP, United Kingdom

Also trades as
  • Ask Rachael Mortgages

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 Right Mortgage 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 Rachael Louise Payne FCA authorised?
Rachael Louise Payne (FRN 1053626) 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 Rachael Louise Payne?
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. Rachael Louise Payne (FRN 1053626) is an AR of The Right Mortgage Limited (FRN 649443). When you use Rachael Louise Payne's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Rachael Louise Payne, 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 Rachael Louise Payne?
Protection works through The Right Mortgage Limited, the principal firm responsible for Rachael Louise Payne's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Rachael Louise Payne a scam or clone?
Rachael Louise Payne 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 Rachael Louise Payne's Firm Reference Number (FRN)?
Rachael Louise Payne's FRN is 1053626. You can verify it on the FCA register.