Philip Smith

Philip Smith (FRN 414116) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

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. Philip Smith (FRN 414116) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Philip Smith's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Philip Smith, 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.

The FCA register lists the phone number 07860 948662 and the website philipsmithequity.com for Philip Smith. If you were given different contact details, use these to check with the firm before going any further.

Philip Smith 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.

Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Philip Smith's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

It trades as Home Equity & Legacy Planning Advisory and Philip A J Smith. It has previously used 3 other names: Complete Mortgages Planning Services, PhilipAJSmith Equity and PhilipSmithEquity.