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.
- Appointed for 7 years
- Protected through the principal
- No FCA actions
- Active company since 2018
- Accounts filed up to 30 November 2025
- On its latest accounts it owed £29.7k more than it owned
Responsible principal firm
TenetLime Limited Reference number: 311266 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.
- Cloud Mortgage Services Limited (FRN 911606) is an AR of TenetLime Limited (FRN 311266). When you use Cloud Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cloud Mortgage Services, 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.
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No website on the FCA register
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Phone number
-
Address
Prama House, 267 Banbury Road, Oxford, Oxfordshire, OX2 7HT, United Kingdom
In the full report: 2 background checks
- What kind of line 01865 818198 is
- Who else gives the postcode OX2 7HT
Other names (1)
If you were contacted under any of these names, it is this firm.
- Cloud Mortgage Services Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through TenetLime 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, freeYou 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
- 11659585 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 November 2018 (7 years old)
- Registered office
- Prama House, 267 Banbury Road, Oxford, OX2 7HT, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Craig Williams | Director | Jul 1989 | 5 Nov 2018 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- Both people who have been directors, with their dates
Filed accounts and finances
Net assets
−£29.7k
−186% from £34.8k
Cash at bank
£1,042
No earlier figure to compare
Employees (average)
1
Up 1 from 0
Owed within a year
£11.2k
−41% from £19.1k
Net assets are negative: on its last balance sheet the company owed £29.7k more than it owned.
Net assets
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 11659585. 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
Cloud Mortgage Services’s history from the FCA register and Companies House, newest first.
2026
4 August 2026
- Changed its registered name from "Cloud Mortgage Services Ltd"
FCA register
1 January 2026
- Christopher Craig Williams took control (75–100% of shares)
Companies House
2019
24 July 2019
- Became an appointed representative
FCA register
2018
5 November 2018
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 3
Firms connected to Cloud Mortgage Services
Other FCA-listed firms that share a director, phone number or address with Cloud Mortgage Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share its postcode
- 5
In the full report: all 5 connected firms, named
- How each is linked: the same postcode (5)
- Who links each one: the named directors, with dates
Firms like Cloud Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Oxford
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 Cloud Mortgage Services
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 7 events in its history
- 5 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Cloud Mortgage Services Limited FCA authorised?
What does appointed representative mean for Cloud Mortgage Services?
What is Cloud Mortgage Services’ phone number?
Is Cloud Mortgage Services a scam or clone?
Is my money safe with Cloud Mortgage Services?
Who owns Cloud Mortgage Services?
Who runs Cloud Mortgage Services?
How long has Cloud Mortgage Services been in business?
What do Cloud Mortgage Services’ latest accounts show?
Does Cloud Mortgage Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk