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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 July 2025
Responsible principal firm
Cornerstone Finance Group Ltd Reference number: 767202 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.
- Mellow Financial Ltd (FRN 1011568) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Mellow Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mellow Financial, 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.
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No website on the FCA register
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Phone number
-
Address
197 Willowherb Road, Emersons Green, Bristol, South Gloucestershire, BS16 7GR, United Kingdom
In the full report: 2 background checks
- What kind of line 07301 214180 is
- Who else gives the postcode BS16 7GR
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Cornerstone Finance Group 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, freeYou 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
- 15021237 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 July 2023 (3 years old)
- Registered office
- 197 Willowherb Road, Emersons Green, Bristol, BS16 7GR, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip Michael George Keith | Director | Dec 1982 | 23 Jul 2023 | 2 other companies |
| Rachel Maria Keith | Director | Mar 1983 | 29 Apr 2025 | 1 other company |
Other companies run by these 2 directors
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 companies
- 2
- closed down
- 1
- run together
- 1
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 2 directors run together
Filed accounts and finances
Total equity
£21.3k
Up £21.2k from £1
Employees (average)
0
Same as 0
Owed within a year
£13.8k
Up £13.7k from £36
Total equity
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 15021237. 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
Mellow Financial’s history from the FCA register and Companies House, newest first.
2025
29 April 2025
- Rachel Maria Keith appointed as a director
Companies House
2024
27 March 2024
- Became an appointed representative
FCA register
2023
23 July 2023
- Incorporated at Companies House
- Philip Michael George Keith took control (75–100% of shares)
- Philip Michael George Keith appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Mellow Financial
Other firms of the same type (insurance broker), nearest first.
In Bristol
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 Mellow Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk