Cedar Mortgage Services Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for under a year
Your funds are protected by FSCS
No FCA actions
Active company since 2025
Accounts are overdue at Companies House

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.

No website on the FCA register
Phone number

07495 590160
Address

3 High Street, Longtown, Carlisle, Cumberland, CA6 5UA, United Kingdom

In the full report: 2 background checks

What kind of line 07495 590160 is
Who else gives the postcode CA6 5UA

Other names (2)

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

Cedar Later Life Lending Former trading name: A name it used to trade under.
Cedar Mortgages Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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.

Concerns on the company record

Accounts are overdue at Companies House.

Company number: 16215687 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 January 2025 (1 year old)
Registered office: 3 High Street, Longtown, Carlisle, Cumbria, CA6 5UA, United Kingdom
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ewa Brzeska	Director	Feb 1996	29 Jan 2025	6 other companies
Ian Michael Watters	Director	Jan 1967	29 Jan 2025	1 other company

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 7
closed down: 1
still active: 6

In the full report: all 7 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration

Key dates in its history

Cedar Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2026

6 January 2026

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2025

29 January 2025

Incorporated at Companies House
Ewa Brzeska became a part-owner (25–50% of shares)
Ian Michael Watters became a part-owner (25–50% of shares)
Maxine Watters became a part-owner (25–50% of shares)

Companies House

In the full report: all 13 events

All 13 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms like Cedar Mortgage Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In Carlisle

Castle View Finance LimitedCarlisleAppointed representative Mark Victor WoodCarlisleAppointed representative Tiffen & Co LimitedCarlisleAppointed 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 Cedar Mortgage Services

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

7 other companies its directors have run, named
2 background checks on its contact details
All 13 events in its history

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Frequently asked questions about this firm

Is Cedar Mortgage Services Ltd FCA authorised?

Yes, Cedar Mortgage Services Ltd (FRN 1034353) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2026 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Cedar Mortgage Services’ phone number?

The FCA register lists the phone number 07495 590160 for Cedar Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.

Is Cedar Mortgage Services a scam or clone?

Cedar Mortgage Services 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 Cedar Mortgage Services?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Cedar Mortgage Services to the Financial Ombudsman Service, free of charge.

Who owns Cedar Mortgage Services?

Companies House lists 3 people with significant control of Cedar Mortgage Services: Mr Ian Michael Watters (25–50% of shares), Miss Ewa Brzeska (25–50% of shares) and Mrs Maxine Watters (25–50% of shares).

Who runs Cedar Mortgage Services?

Companies House lists 2 directors of Cedar Mortgage Services: Ewa Brzeska and Ian Michael Watters.

How long has Cedar Mortgage Services been in business?

The company was formed on 29 January 2025, and has held its current FCA authorisation since January 2026.

Does Cedar Mortgage Services use any other names?

It has previously used 2 other names: Cedar Later Life Lending and Cedar Mortgages.