Fidenti Mortgages & Protection Limited

Reference number: 677266

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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

HL Partnership Limited Reference number: 303397 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.
  • Fidenti Mortgages & Protection Limited (FRN 677266) is an AR of HL Partnership Limited (FRN 303397). When you use Fidenti Mortgages & Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fidenti Mortgages & Protection, 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 fidenti.co.uk first appeared online, and whether it can receive email
  • What kind of line 01270 750437 is, and the other firm that gives it
  • Who else gives the postcode CW11 1GR
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Other names (4)

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

  • Fidenti Mortgages & Protection Ltd Former name
  • Nicholas D'Silva Former name
  • Fidenti Former trading name
  • Fidenti Health Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
10007568
Company status
Active
Company type
Private limited company
Incorporated
16 February 2016 (10 years old)
Registered office
2 Bold Street, Sandbach, CW11 1GR, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Ray D'Silva Director Apr 1982 16 Feb 2016 1 other company
Corrie D'Silva Director Nov 1978 1 Oct 2021 None
Kylie Arnold Director Jul 1988 5 Feb 2025 None

Other companies run by these 3 directors

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

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Micro-entity accountsNot audited

Net assets

£21.8k

+753% from £2,560

Employees (average)

11

−8.3% from 12

Owed within a year

£89.1k

−7% from £95.8k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • The chart, over every year
  • Every filed figure, year by year
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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 10007568. 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

Fidenti Mortgages & Protection’s history from the FCA register and Companies House, newest first.

Key events (6) All events (17)

2024

5 July 2024

  • Changed its registered name from "Fidenti Mortgages & Protection Ltd"

FCA register

2021

1 October 2021

  • Corrie D'Silva became a part-owner (25–50% of shares)

Companies House

2016

29 December 2016

  • Changed its registered name from "Nicholas D'Silva"

FCA register

6 April 2016

  • Nicholas Ray D'Silva became a part-owner (25–50% of shares)

Companies House

16 February 2016

  • Incorporated at Companies House

Companies House

2015

16 March 2015

  • Became an appointed representative

FCA register

In the full report: all 17 events

  • All 17 events in its history (6 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Fidenti Mortgages & Protection

Other FCA-listed firms that share a director, phone number or address with Fidenti Mortgages & Protection. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Fidenti Mortgages & Protection

Other firms of the same type (mortgage adviser or broker), nearest first.

In Sandbach

Amplo Asset Finance LimitedSandbachAppointed representativeBedson Financial Solutions LimitedSandbachAppointed representativeOpal Financials LtdSandbachAppointed representativeUR-Mortgage LimitedSandbachAppointed 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 Fidenti Mortgages & Protection

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Fidenti Mortgages & Protection Limited FCA authorised?
Fidenti Mortgages & Protection Limited (FRN 677266) 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 Fidenti Mortgages & Protection?
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. Fidenti Mortgages & Protection Limited (FRN 677266) is an AR of HL Partnership Limited (FRN 303397). When you use Fidenti Mortgages & Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fidenti Mortgages & Protection, 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 Fidenti Mortgages & Protection’s phone number and website?
The FCA register lists the phone number 01270 750437 and the website fidenti.co.uk for Fidenti Mortgages & Protection. 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 one other FCA firm.
Is Fidenti Mortgages & Protection a scam or clone?
Fidenti Mortgages & Protection 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 Fidenti Mortgages & Protection?
Protection works through HL Partnership Limited, the principal firm responsible for Fidenti Mortgages & Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fidenti Mortgages & Protection?
Companies House lists 2 people with significant control of Fidenti Mortgages & Protection: Mr Nicholas Ray D'Silva (25–50% of shares) and Mrs Corrie D'Silva (25–50% of shares).
Who runs Fidenti Mortgages & Protection?
Companies House lists 3 directors of Fidenti Mortgages & Protection: Nicholas Ray D'Silva, Corrie D'Silva and Kylie Arnold.
How long has Fidenti Mortgages & Protection been in business?
The company was formed on 16 February 2016.
What do Fidenti Mortgages & Protection’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £21.8k (+753% from £2,560).
Does Fidenti Mortgages & Protection use any other names?
It has previously used 4 other names, including Fidenti Mortgages & Protection Ltd, Nicholas D'Silva and Fidenti.

Sources and links

The full report on Fidenti Mortgages & Protection Limited

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