Michelle Jane Sharpe

Reference number: 834383

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Appointed representative

Michelle Jane Sharpe 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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Michelle Jane Sharpe (FRN 834383) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Michelle Jane Sharpe's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Michelle Jane Sharpe, 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.

In the full report: 3 background checks

  • When peartreemortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07850 446668 is
  • Who else gives the postcode HR4 8SF
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Other names (1)

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

  • Pear Tree Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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

Michelle Jane Sharpe’s history from the FCA register and Companies House, newest first.

2019

22 February 2019

  • Became an appointed representative
  • Began trading as "Pear Tree Mortgages"

FCA register

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

Firms like Michelle Jane Sharpe

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

In the Hereford (HR) postcode area

Clever Commercial Finance LimitedHerefordAppointed representativeGuy GriffithsAppointed representativeImpact Mortgages LtdHerefordAppointed representativeMortgages Direct Online LtdLeominsterAppointed representativeRichard Vale Mortgages LimitedHerefordAppointed representativeStuart MiddletonHerefordAppointed 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 Michelle Jane Sharpe

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

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Frequently asked questions about this firm

Is Michelle Jane Sharpe FCA authorised?
Michelle Jane Sharpe (FRN 834383) 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 Michelle Jane Sharpe?
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. Michelle Jane Sharpe (FRN 834383) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Michelle Jane Sharpe's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Michelle Jane Sharpe, 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 Michelle Jane Sharpe’s phone number and website?
The FCA register lists the phone number 07850 446668 and the website peartreemortgages.co.uk for Michelle Jane Sharpe. If you were given different contact details, use these to check with the firm before going any further.
Is Michelle Jane Sharpe a scam or clone?
Michelle Jane Sharpe 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 Michelle Jane Sharpe?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Michelle Jane Sharpe's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Michelle Jane Sharpe use any other names?
It trades as Pear Tree Mortgages.

Sources and links

The full report on Michelle Jane Sharpe

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