Matthew Bugden

Reference number: 1041735

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Appointed representative

Matthew Bugden does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • Matthew Bugden (FRN 1041735) is an AR of Ingard Financial Limited (FRN 450731). When you use Matthew Bugden's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Matthew Bugden, 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

    07525 864887

  • Address

    4 Saltburn Turn, Houghton Regis, Dunstable, Central Bedfordshire, LU5 6QT, United Kingdom

In the full report: 2 background checks

  • What kind of line 07525 864887 is
  • Who else gives the postcode LU5 6QT
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Other names (1)

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

  • Matthew Bugden Mortgages 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

Matthew Bugden’s history from the FCA register and Companies House, newest first.

2025

6 September 2025

  • Became an appointed representative
  • Began trading as "Matthew Bugden Mortgages"

FCA register

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

Firms like Matthew Bugden

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

In Dunstable

Cristina Mihaela ButacuDunstableAppointed representativeGeorgia Elizabeth SylvesterDunstableAppointed representativeMortgage Beyond LtdDunstableAppointed representativeMortgage Village LtdDunstableAppointed representativeMortgages Just4U LtdDunstableAppointed representativeOrion Business Finance LimitedDunstableAppointed 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 Matthew Bugden

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 2 events in its history

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Frequently asked questions about this firm

Is Matthew Bugden FCA authorised?
Matthew Bugden (FRN 1041735) 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 Matthew Bugden?
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. Matthew Bugden (FRN 1041735) is an AR of Ingard Financial Limited (FRN 450731). When you use Matthew Bugden's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Matthew Bugden, 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 Matthew Bugden’s phone number?
The FCA register lists the phone number 07525 864887 for Matthew Bugden. If you were given different contact details, use these to check with the firm before going any further.
Is Matthew Bugden a scam or clone?
Matthew Bugden 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 Matthew Bugden?
Protection works through Ingard Financial Limited, the principal firm responsible for Matthew Bugden's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Matthew Bugden use any other names?
It trades as Matthew Bugden Mortgages.

Sources and links

The full report on Matthew Bugden

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