Sandcastle Mortgages (Oxford) Limited

Reference number: 515328

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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.

The FCA register does not name a principal for this 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.
  • Sandcastle Mortgages (Oxford) Limited (FRN 515328) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Sandcastle Mortgages (Oxford), 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.

Company number
10669278
Company status
Active
Company type
Private limited company
Incorporated
14 March 2017 (9 years old)
Registered office
7 High Street Second Floor, Front Office, 7 High Street, Kidlington, Oxford, OX5 2DH, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Andrew Christopher Wilson Director Nov 1966 14 Mar 2017
Sharon Maria Wilson Director Jan 1967 14 Mar 2017
Olivia Rose Violet Bockett Director Dec 1997 1 Jul 2022

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 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.

  • Sharon Mulholland

Names it no longer trades under

This firm has retired 2 trading names. 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 names
  • Sandcastle Mortgages
  • Sandcastle Wealth Management

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Common questions

Frequently asked questions

Is Sandcastle Mortgages (Oxford) Limited FCA authorised?
Sandcastle Mortgages (Oxford) Limited (FRN 515328) 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 Sandcastle Mortgages (Oxford)?
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. Sandcastle Mortgages (Oxford) Limited (FRN 515328) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Sandcastle Mortgages (Oxford), 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 Sandcastle Mortgages (Oxford)?
Protection works through the principal firm responsible for Sandcastle Mortgages (Oxford)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Sandcastle Mortgages (Oxford) a scam or clone?
Sandcastle Mortgages (Oxford) 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 Sandcastle Mortgages (Oxford)'s Firm Reference Number (FRN)?
Sandcastle Mortgages (Oxford)'s FRN is 515328. You can verify it on the FCA register.