Narrative Wealth Ltd

Reference number: 1036458

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Narrative Wealth Ltd (FRN 1036458) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Narrative Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Narrative Wealth, 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 narrativewealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 07540 977536 is
  • Who else gives the postcode SW19 5EE
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Other names (3)

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

  • Cotswold Mortgage Co Trading name
  • Narrative Trading name
  • Cotswolds Mortgage Co Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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

Narrative Wealth’s history from the FCA register and Companies House, newest first.

Key events (1) All events (5)

2025

14 July 2025

  • Became an appointed representative

FCA register

In the full report: all 5 events

  • All 5 events in its history (1 shown here)
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Firms like Narrative Wealth

Other firms of the same type (financial adviser), nearest first.

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Narrative Wealth

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 5 events in its history

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Frequently asked questions about this firm

Is Narrative Wealth Ltd FCA authorised?
Narrative Wealth Ltd (FRN 1036458) 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 Narrative Wealth?
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. Narrative Wealth Ltd (FRN 1036458) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Narrative Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Narrative Wealth, 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 Narrative Wealth’s phone number and website?
The FCA register lists the phone number 07540 977536 and the website narrativewealth.co.uk for Narrative Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is Narrative Wealth a scam or clone?
Narrative Wealth 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 Narrative Wealth?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Narrative Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Narrative Wealth use any other names?
It trades as Cotswold Mortgage Co and Narrative. It has previously used the name Cotswolds Mortgage Co.

Sources and links

The full report on Narrative Wealth Ltd

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