Amber Financial Advice Limited

Reference number: 604144

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
  • Amber Financial Advice Limited (FRN 604144) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Amber Financial Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Amber Financial Advice, 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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When ambermortgageadvice.com first appeared online, and whether it can receive email
  • What kind of line 07930 383622 is
  • Who else gives the postcode DY3 1RW
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Amber Mortgage Advice Trading name
  • Geetaben Patel Former name
  • Pro Money Advice Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
08984369
Company status
Active
Company type
Private limited company
Incorporated
8 April 2014 (12 years old)
Registered office
Suite 4, Penny Farthing Arcade High Street, Sedgley, Dudley, DY3 1RW, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Geetaben Patel Director Aug 1976 8 Apr 2014 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£3,034

Up £4,799 from −£1,765

Employees (average)

4

Same as 4

Owed within a year

£5,003

+7.8% from £4,643

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 08984369. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Amber Financial Advice’s history from the FCA register and Companies House, newest first.

Key events (4) All events (10)

2022

12 December 2022

  • Changed its registered name from "Geetaben Patel"

FCA register

2017

8 April 2017

  • Geetaben Patel took control (75–100% of shares)

Companies House

2014

8 April 2014

  • Incorporated at Companies House

Companies House

2013

10 July 2013

  • Became an appointed representative

FCA register

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Amber Financial Advice

Other firms of the same type (financial adviser), nearest first.

In Dudley

Cotwall Financial Planning LtdDudleyAppointed representativeBell Simpson LimitedDudleyAuthorised

In the Dudley (DY) postcode area

Aesir Wealth LtdStourbridgeAppointed representativeAnne HopkinsKidderminsterAppointed representativeBrian Pratt & CoCookleyAppointed representativeBright Vision Financial Planning LtdBewdleyAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Amber Financial Advice

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Amber Financial Advice Limited FCA authorised?
Amber Financial Advice Limited (FRN 604144) 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 Amber Financial Advice?
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. Amber Financial Advice Limited (FRN 604144) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Amber Financial Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Amber Financial Advice, 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.
What is Amber Financial Advice’s phone number and website?
The FCA register lists the phone number 07930 383622 and the website ambermortgageadvice.com for Amber Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Amber Financial Advice a scam or clone?
Amber Financial Advice is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Amber Financial Advice?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Amber Financial Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Amber Financial Advice?
Companies House lists one person with significant control of Amber Financial Advice: Mrs Geetaben Patel (75–100% of shares).
Who runs Amber Financial Advice?
Companies House lists one director of Amber Financial Advice: Geetaben Patel.
How long has Amber Financial Advice been in business?
The company was formed on 8 April 2014.
What do Amber Financial Advice’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £3,034 (up £4,799 from −£1,765).
Does Amber Financial Advice use any other names?
It trades as Amber Mortgage Advice. It has previously used 2 other names: Geetaben Patel and Pro Money Advice.

Sources and links

The full report on Amber Financial Advice Limited

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