Kielman Mortgages Limited

Reference number: 805035

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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

Ingard Financial Limited Reference number: 450731 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.
  • Kielman Mortgages Limited (FRN 805035) is an AR of Ingard Financial Limited (FRN 450731). When you use Kielman Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kielman 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

    01295 238128

  • Address

    Bloxham Business Centre, Barford Road, Bloxham, Banbury, Oxfordshire, OX15 4FF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01295 238128 is
  • Who else gives the postcode OX15 4FF
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Other names (2)

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

  • Cherwell Independent Mortgages Limited Former name
  • www.familybuytoletmortgages.co.uk Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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.

Key dates in its history

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

2021

19 May 2021

  • Changed its registered name from "Cherwell Independent Mortgages Limited"
  • Stopped trading as "www.familybuytoletmortgages.co.uk"

FCA register

2018

31 May 2018

  • Began trading as "www.familybuytoletmortgages.co.uk"

FCA register

26 March 2018

  • Became an appointed representative

FCA register

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

Firms connected to Kielman Mortgages

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Kielman Mortgages

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

In Banbury

HCB Mortgages LtdBanburyAppointed representativeInsight Mortgage Business LimitedBanburyAppointed representativeKentfield Private Finance LimitedBanburyAppointed representativeStratton Thorpe Mortgage Solutions LtdBanburyAppointed representativeVantage Mortgages LtdBanburyAppointed representativeBreezi Cooling UK LtdBanburyAppointed 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 Kielman Mortgages

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

  • 2 background checks on its contact details
  • All 4 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Kielman Mortgages Limited FCA authorised?
Kielman Mortgages Limited (FRN 805035) 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 Kielman 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. Kielman Mortgages Limited (FRN 805035) is an AR of Ingard Financial Limited (FRN 450731). When you use Kielman Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kielman 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 Kielman Mortgages’ phone number?
The FCA register lists the phone number 01295 238128 for Kielman Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Kielman Mortgages a scam or clone?
Kielman 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 Kielman Mortgages?
Protection works through Ingard Financial Limited, the principal firm responsible for Kielman Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Kielman Mortgages use any other names?
It has previously used 2 other names: Cherwell Independent Mortgages Limited and www.familybuytoletmortgages.co.uk.

Sources and links

The full report on Kielman Mortgages Limited

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