Oak Lodge Finance Ltd

Reference number: 1063682

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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

Moorgate Finance Limited Reference number: 662419 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.
  • Oak Lodge Finance Ltd (FRN 1063682) is an AR of Moorgate Finance Limited (FRN 662419). When you use Oak Lodge Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Oak Lodge Finance, 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

    07881 203608

  • Address

    68 Dernaflaw Road, Dungiven, Londonderry, Northern Ireland, BT47 4PR, United Kingdom

In the full report: 2 background checks

  • What kind of line 07881 203608 is
  • Who else gives the postcode BT47 4PR
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Moorgate Finance 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
NI738832
Company status
Active
Company type
Private limited company
Incorporated
16 March 2026 (less than a year old)
Registered office
68 Dernaflaw Road, Dungiven, Londonderry, BT47 4PR, Northern Ireland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Heather Elizabeth Fulton Director Aug 2003 16 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Oak Lodge Finance’s history from the FCA register and Companies House, newest first.

2026

2 October 2026

  • Became an appointed representative

FCA register

16 March 2026

  • Incorporated at Companies House
  • Heather Elizabeth Fulton took control (75–100% of shares)
  • Heather Elizabeth Fulton appointed as a director

Companies House

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

Firms like Oak Lodge Finance

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

In Londonderry

Catherine DevineLondonderryAppointed representativeDeborah ShielsLondonderryAppointed representativeGillian WinterLondonderryAppointed representativeMcDaid Mortgages LtdLondonderryAppointed representativeMoira SheerinLondonderryAppointed representativeSMG Financial Services LtdLondonderryAppointed 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 Oak Lodge Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Oak Lodge Finance Ltd FCA authorised?
Oak Lodge Finance Ltd (FRN 1063682) 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 Oak Lodge Finance?
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. Oak Lodge Finance Ltd (FRN 1063682) is an AR of Moorgate Finance Limited (FRN 662419). When you use Oak Lodge Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oak Lodge Finance, 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 Oak Lodge Finance’s phone number?
The FCA register lists the phone number 07881 203608 for Oak Lodge Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Oak Lodge Finance a scam or clone?
Oak Lodge Finance 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 Oak Lodge Finance?
Protection works through Moorgate Finance Limited, the principal firm responsible for Oak Lodge Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Oak Lodge Finance?
Companies House lists one person with significant control of Oak Lodge Finance: Miss Heather Elizabeth Fulton (75–100% of shares).
Who runs Oak Lodge Finance?
Companies House lists one director of Oak Lodge Finance: Heather Elizabeth Fulton.
How long has Oak Lodge Finance been in business?
The company was formed on 16 March 2026.

Sources and links

The full report on Oak Lodge Finance Ltd

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