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 30 years
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 December 2025
Responsible principal firm
Dow Mortgage Services Limited Reference number: 306390 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.
- Dow Financial Services Ltd (FRN 176399) is an AR of Dow Mortgage Services Limited (FRN 306390). When you use Dow Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Dow Financial 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
76 Ratcliffe Terrace, Edinburgh, Midlothian, EH9 1ST, United Kingdom
In the full report: 2 background checks
- What kind of line 0131 538 7178 is, and the other firm that gives it
- Who else gives the postcode EH9 1ST
Other names (1)
If you were contacted under any of these names, it is this firm.
- Dow Personal Financial Services Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Dow Mortgage 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, 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 name
- DOW FINANCIAL SERVICES LIMITED
- Company number
- SC241276 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 December 2002 (23 years old)
- Registered office
- 76 Ratcliffe Terrace, Edinburgh, EH9 1ST
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Bryan Craig Dow | Director | Jan 1954 | 17 Dec 2002 | 1 other company |
| Lisbeth Christy | Secretary | Not published | 17 Dec 2002 | – |
Other companies run by its director
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 company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£13.6k
+5.5% from £12.9k
Employees (average)
2
Same as 2
Owed within a year
£8,124
+65% from £4,916
Assets and liabilities
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 SC241276. 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
Dow Financial Services’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Bryan Craig Dow took control (75–100% of shares)
Companies House
2003
12 February 2003
- Changed its registered name from "Dow Personal Financial Services"
FCA register
2002
17 December 2002
- Incorporated at Companies House
- Bryan Craig Dow appointed as a director
Companies House
1995
9 November 1995
- Became an appointed representative
FCA register
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Dow Financial Services
Other FCA-listed firms that share a director, phone number or address with Dow Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Dow Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Edinburgh
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 Dow Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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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