Howard Wise: FCA regulated?

Introducer appointed representative

Howard Wise can only introduce you to their principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for under a year
Protected through the principal
No FCA actions

Responsible principal firm

AFS Compliance Ltd Reference number: 625035 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Howard Wise (FRN 1056482) introduces customers to AFS Compliance Ltd (FRN 625035). Any regulated advice or arranging is done by the principal, not Howard Wise.
Example: if Howard Wise refers you to a financial adviser, the advice should come from the principal firm, not from Howard Wise itself.
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.

Website

howardwisecars.co.uk (opens in a new tab)
Phone number

020 8418 9191
Address

15 Oakwood Hill Industrial Estate, Oakwood Hill, Loughton, Essex, IG10 3TZ, United Kingdom

In the full report: 3 background checks

When howardwisecars.co.uk first appeared online, and whether it can receive email
What kind of line 020 8418 9191 is
Who else gives the postcode IG10 3TZ

Other names (1)

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

Howard Wise Cars Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through AFS Compliance Ltd, 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.

Key dates in its history

Howard Wise’s history from the FCA register and Companies House, newest first.

2026

1 June 2026

Became an introducer appointed representative

FCA register

11 May 2026

Began trading as "Howard Wise Cars"

FCA register

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

Firms connected to Howard Wise

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Howard Wise

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

In Loughton

Daryl PhillipsLoughtonAuthorised JN Financial Consultation LimitedLoughtonSee the register John SimpsonLoughtonAuthorised

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 Howard Wise

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

3 background checks on its contact details
All 2 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Howard Wise FCA authorised?

Howard Wise (FRN 1056482) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Howard Wise?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Howard Wise (FRN 1056482) introduces customers to AFS Compliance Ltd (FRN 625035). Any regulated advice or arranging is done by the principal, not Howard Wise. Example: if Howard Wise refers you to a financial adviser, the advice should come from the principal firm, not from Howard Wise itself. 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 Howard Wise’s phone number and website?

The FCA register lists the phone number 020 8418 9191 and the website howardwisecars.co.uk for Howard Wise. If you were given different contact details, use these to check with the firm before going any further.

Is Howard Wise a scam or clone?

Howard Wise 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 Howard Wise?

Protection works through AFS Compliance Ltd, the principal firm responsible for Howard Wise's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does Howard Wise use any other names?

It trades as Howard Wise Cars.