GWD Finance Limited

Reference number: 808541

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • GWD Finance Limited (FRN 808541) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use GWD Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from GWD Finance, 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.

  • No website on the FCA register

  • Phone number

    07765 225101

  • Address

    11 Old Bond Street, London, Westminster, W1S 4PN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07765 225101 is
  • Who else gives the postcode W1S 4PN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch 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.

Companies House record

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

Company number
11279550
Company status
Active
Company type
Private limited company
Incorporated
28 March 2018 (8 years old)
Registered office
11 Old Bond Street, Mayfair, London, W1S 4PN, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Stanley Duder Director May 1981 28 Mar 2018 None
Stuart John Mccarthy Director Jul 1976 17 Sep 2018 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£505

Up £3 from £502

Cash at bank

£56.6k

+41% from £40.1k

Employees (average)

3

Same as 3

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 11279550. 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

GWD Finance’s history from the FCA register and Companies House, newest first.

2021

21 May 2021

  • Stuart John McCarthy became a part-owner (25–50% of shares)

Companies House

2018

17 September 2018

  • Stuart John McCarthy appointed as a director

Companies House

8 May 2018

  • Became an appointed representative

FCA register

28 March 2018

  • Incorporated at Companies House
  • Christopher Stanley Duder became a part-owner (25–50% of shares)
  • Christopher Stanley Duder appointed as a director

Companies House

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

Firms like GWD Finance

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

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 GWD Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is GWD Finance Limited FCA authorised?
GWD Finance Limited (FRN 808541) 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 GWD Finance?
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. GWD Finance Limited (FRN 808541) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use GWD Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from GWD Finance, 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 GWD Finance’s phone number?
The FCA register lists the phone number 07765 225101 for GWD Finance. If you were given different contact details, use these to check with the firm before going any further.
Is GWD Finance a scam or clone?
GWD Finance 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 GWD Finance?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for GWD Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns GWD Finance?
Companies House lists 2 people with significant control of GWD Finance: Mr Christopher Stanley Duder (25–50% of shares) and Mr Stuart John McCarthy (25–50% of shares).
Who runs GWD Finance?
Companies House lists 2 directors of GWD Finance: Christopher Stanley Duder and Stuart John McCarthy.
How long has GWD Finance been in business?
The company was formed on 28 March 2018.
What do GWD Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £505 (up £3 from £502) and cash at bank of £56.6k (+41% from £40.1k).

Sources and links

The full report on GWD Finance Limited

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