David Brown

Reference number: 798726

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Appointed representative

David Brown does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • David Brown (FRN 798726) is an AR of Quilter Financial Services Limited (FRN 440703). When you use David Brown's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Brown, 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 themortgage-man.co.uk first appeared online, and whether it can receive email
  • What kind of line 07791 910478 is
  • Who else gives the postcode TQ1 4NE
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Other names (1)

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

  • The Mortgage Man 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.

Key dates in its history

David Brown’s history from the FCA register and Companies House, newest first.

2018

16 January 2018

  • Became an appointed representative
  • Began trading as "The Mortgage Man"

FCA register

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

Firms like David Brown

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

In Torquay

(UK) Howard Financial LtdTorquayAppointed representativeBrook Financial Advice LtdTorquayAppointed representativeHayward Financial Services LtdTorquayAppointed representativeMCD Independent Financial Advice LtdTorquayAppointed representativeOrestone Wealth Management LtdTorquayAppointed representativeBrowning Financial Planning LtdTorquayAuthorised

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 David Brown

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 2 events in its history

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Frequently asked questions about this firm

Is David Brown FCA authorised?
David Brown (FRN 798726) 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 David Brown?
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. David Brown (FRN 798726) is an AR of Quilter Financial Services Limited (FRN 440703). When you use David Brown's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Brown, 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 David Brown’s phone number and website?
The FCA register lists the phone number 07791 910478 and the website themortgage-man.co.uk for David Brown. If you were given different contact details, use these to check with the firm before going any further.
Is David Brown a scam or clone?
David Brown 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 David Brown?
Protection works through Quilter Financial Services Limited, the principal firm responsible for David Brown's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does David Brown use any other names?
It trades as The Mortgage Man.

Sources and links

The full report on David Brown

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