The Mortgage Team Ltd

Reference number: 1030880

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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.
  • The Mortgage Team Ltd (FRN 1030880) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use The Mortgage Team's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Mortgage Team, 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
12944126
Company status
Active
Company type
Private limited company
Incorporated
12 October 2020 (5 years old)
Registered office
Suite C7 Britannia House, Caerphilly Business Park, Caerphilly, CF83 3GG, Wales
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Joel Davies Director Nov 1991 12 Oct 2020
Shaune Olivia Davies Director Aug 1993 4 Feb 2025

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.

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Common questions

Frequently asked questions

Is The Mortgage Team Ltd FCA authorised?
The Mortgage Team Ltd (FRN 1030880) 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 The Mortgage Team?
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. The Mortgage Team Ltd (FRN 1030880) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use The Mortgage Team's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mortgage Team, 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 The Mortgage Team?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for The Mortgage Team's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Mortgage Team a scam or clone?
The Mortgage Team 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 The Mortgage Team's Firm Reference Number (FRN)?
The Mortgage Team's FRN is 1030880. You can verify it on the FCA register.