Douglas Smith Mortgage Services

Douglas Smith Mortgage Services (FRN 414445) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

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. Douglas Smith Mortgage Services (FRN 414445) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Douglas Smith Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Douglas Smith 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.

The FCA register lists the phone number 01869 242450 for Douglas Smith Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.

Douglas Smith 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.

Protection works through Advance Mortgage Funding Limited, the principal firm responsible for Douglas Smith Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.