Darwin (Keswick Reach) Limited

Reference number: 1051986

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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

Andrew Smith Reference number: 826675 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.
  • Darwin (Keswick Reach) Limited (FRN 1051986) is an AR of Andrew Smith (FRN 826675). When you use Darwin (Keswick Reach)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Darwin (Keswick Reach), 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 darwinescapes.co.uk first appeared online, and whether it can receive email
  • What kind of line 01745 858000 is, and the 14 other firms that give it
  • Who else gives the postcode CA13 9SY
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Other names (2)

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

  • Keswick Reach Lodge Retreat Trading name
  • Darwin (Keswick Reach) Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Andrew Smith, 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.

Key dates in its history

Darwin (Keswick Reach)’s history from the FCA register and Companies House, newest first.

2026

13 March 2026

  • Changed its registered name from "Darwin (Keswick Reach) Ltd"

FCA register

12 March 2026

  • Became an appointed representative
  • Began trading as "Keswick Reach Lodge Retreat"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Darwin (Keswick Reach)

Other FCA-listed firms that share a director, phone number or address with Darwin (Keswick Reach). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
12
share its phone number
12

In the full report: all 12 connected firms, named

  • How each is linked: the same phone number (12)
  • Who links each one: the named directors, with dates
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Firms like Darwin (Keswick Reach)

Other firms of the same type (insurance broker), nearest first.

In Cockermouth

Grisdales LtdCockermouthAppointed representative

In the Carlisle (CA) postcode area

I Mandle, G Davies, G R Holliday & N E Wilkinson BuckleCarlisleAppointed representativeBelle Vue Vets LimitedWigtonAppointed representativeCastles & Coasts Housing AssociationWorkingtonAppointed representativeCumbria Chamber of Commerce & IndustryCarlisleAppointed representativeM D Jeal, D J Jones, J M Cosker, C E Mortimer & K E BirdPenrithAppointed 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 Darwin (Keswick Reach)

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

  • 3 background checks on its contact details
  • All 3 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Darwin (Keswick Reach) Limited FCA authorised?
Darwin (Keswick Reach) Limited (FRN 1051986) 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 Darwin (Keswick Reach)?
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. Darwin (Keswick Reach) Limited (FRN 1051986) is an AR of Andrew Smith (FRN 826675). When you use Darwin (Keswick Reach)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Darwin (Keswick Reach), 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 Darwin (Keswick Reach)’s phone number and website?
The FCA register lists the phone number 01745 858000 and the website darwinescapes.co.uk for Darwin (Keswick Reach). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 14 other FCA firms.
Is Darwin (Keswick Reach) a scam or clone?
Darwin (Keswick Reach) 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 Darwin (Keswick Reach)?
Protection works through Andrew Smith, the principal firm responsible for Darwin (Keswick Reach)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Darwin (Keswick Reach) use any other names?
It trades as Keswick Reach Lodge Retreat. It has previously used the name Darwin (Keswick Reach) Ltd.

Sources and links

The full report on Darwin (Keswick Reach) Limited

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