Navdeep Singh: FCA regulated?

Appointed representative

Navdeep Singh does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Appointed for 4 years
Protected through the principal
No FCA actions

Responsible principal firm

Beneficial Ltd Reference number: 736655 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.
Navdeep Singh (FRN 963439) is an AR of Beneficial Ltd (FRN 736655). When you use Navdeep Singh's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Navdeep Singh, 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

0161 974 5858
Address

51 Florence Road, Southall, Ealing, UB2 5HX, United Kingdom

In the full report: 2 background checks

What kind of line 0161 974 5858 is, and the other firm that gives it
Who else gives the postcode UB2 5HX

Other names (2)

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

STH Mortgages Trading name: A name it trades under now.
Isher Mortgage Services Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Beneficial 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, 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

Navdeep Singh’s history from the FCA register and Companies House, newest first.

Key events (1) All events (4)

2021

4 November 2021

Became an appointed representative

FCA register

In the full report: all 4 events

All 4 events in its history (1 shown here)

Firms connected to Navdeep Singh

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

connected firm: 1
share its phone number: 1

In the full report: the connected firm, named

How it is linked: the same phone number (1)
Who links it to this firm: the named directors, with dates

Firms like Navdeep Singh

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

In Southall

Futureworth Reality LtdSouthallAppointed representative Ikigai Finance LtdSouthallAppointed representative Mr Jamil Daoud KhanSouthallAppointed representative Spot Funding LimitedSouthallAppointed representative DAJ Capital LtdSouthallAuthorised Sarb Finance LimitedSouthallAuthorised

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 Navdeep Singh

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
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Navdeep Singh FCA authorised?

Navdeep Singh (FRN 963439) 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 Navdeep Singh?

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. Navdeep Singh (FRN 963439) is an AR of Beneficial Ltd (FRN 736655). When you use Navdeep Singh's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Navdeep Singh, 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 Navdeep Singh’s phone number?

The FCA register lists the phone number 0161 974 5858 for Navdeep Singh. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Navdeep Singh a scam or clone?

Navdeep Singh 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 Navdeep Singh?

Protection works through Beneficial Ltd, the principal firm responsible for Navdeep Singh's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does Navdeep Singh use any other names?

It trades as STH Mortgages. It has previously used the name Isher Mortgage Services.