High Street Mortgages Ltd: FCA regulated?

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 10 years
Protected through the principal
No FCA actions
Active company since 2016
Accounts filed up to 31 January 2026

Responsible principal firm

Openwork Limited Reference number: 408285 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.
High Street Mortgages Ltd (FRN 739392) is an AR of Openwork Limited (FRN 408285). When you use High Street Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from High Street Mortgages, 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

07782 323618
Address

The Lees, Lower Britwell Road, Slough, SL2 2NJ, United Kingdom

In the full report: 2 background checks

What kind of line 07782 323618 is
Who else gives the postcode SL2 2NJ

Other names (1)

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

High Street Wealth Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Openwork 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: 09949897 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 13 January 2016 (10 years old)
Registered office: The Lees, Lower Britwell Road, Slough, Berkshire, SL2 2NJ, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Peter Baldacchino	Director	Jan 1978	13 Jan 2016	1 other company

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

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

Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£22.4k

+66% from £13.5k

Employees (average)

1

Same as 1

Owed within a year

£13.8k

−6.9% from £14.8k

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

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 09949897. 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

High Street Mortgages’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2016

6 April 2016

Peter Baldacchino took control (75–100% of shares)

Companies House

7 March 2016

Became an appointed representative

FCA register

13 January 2016

Incorporated at Companies House

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 1

Firms like High Street Mortgages

Other firms of the same type (insurance broker), nearest first.

In Slough

CSJ Options LimitedSloughAppointed representative Krown Mortgages LtdSloughAppointed representative Travelopedia LtdSloughAppointed representative Thames Valley Chamber of Commerce & IndustrySloughAppointed representative Citymoor Financial LtdSloughAuthorised John Malcolm SutherleySloughAuthorised

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 High Street Mortgages

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 7 events in its history

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Frequently asked questions about this firm

Is High Street Mortgages Ltd FCA authorised?

High Street Mortgages Ltd (FRN 739392) 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 High Street Mortgages?

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. High Street Mortgages Ltd (FRN 739392) is an AR of Openwork Limited (FRN 408285). When you use High Street Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from High Street Mortgages, 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 High Street Mortgages’ phone number?

The FCA register lists the phone number 07782 323618 for High Street Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is High Street Mortgages a scam or clone?

High Street Mortgages 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 High Street Mortgages?

Protection works through Openwork Limited, the principal firm responsible for High Street Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns High Street Mortgages?

Companies House lists one person with significant control of High Street Mortgages: Mr Peter Baldacchino (75–100% of shares).

Who runs High Street Mortgages?

Companies House lists one director of High Street Mortgages: Peter Baldacchino.

How long has High Street Mortgages been in business?

The company was formed on 13 January 2016.

What do High Street Mortgages’ latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £22.4k (+66% from £13.5k).

Does High Street Mortgages use any other names?

It has previously used the name High Street Wealth.