Rachael Louise Payne

Reference number: 1053626

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Appointed representative

Rachael Louise Payne 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

The Right Mortgage Limited Reference number: 649443 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.
  • Rachael Louise Payne (FRN 1053626) is an AR of The Right Mortgage Limited (FRN 649443). When you use Rachael Louise Payne's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Rachael Louise Payne, 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

    07800 873846

  • Address

    145 Rye Hill, Bere Regis, Wareham, Dorset, BH20 7LP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07800 873846 is
  • Who else gives the postcode BH20 7LP
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Other names (1)

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

  • Ask Rachael Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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

Rachael Louise Payne’s history from the FCA register and Companies House, newest first.

2026

26 March 2026

  • Became an appointed representative
  • Began trading as "Ask Rachael Mortgages"

FCA register

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

Firms like Rachael Louise Payne

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

In the Bournemouth (BH) postcode area

Sea Sense Mortgages LtdHampshireAppointed representativeAdam RobertsPooleAppointed representativeAdvanced Mortgage Services LimitedBournemouthAppointed representativeAdvisory Financial ServicesWimbourneAppointed representativeAlexander Adams Mortgage Services LtdNew MiltonAppointed representativeAyla Mortgages LtdRingwoodAppointed 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 Rachael Louise Payne

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 2 events in its history

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Frequently asked questions about this firm

Is Rachael Louise Payne FCA authorised?
Rachael Louise Payne (FRN 1053626) 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 Rachael Louise Payne?
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. Rachael Louise Payne (FRN 1053626) is an AR of The Right Mortgage Limited (FRN 649443). When you use Rachael Louise Payne's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Rachael Louise Payne, 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 Rachael Louise Payne’s phone number?
The FCA register lists the phone number 07800 873846 for Rachael Louise Payne. If you were given different contact details, use these to check with the firm before going any further.
Is Rachael Louise Payne a scam or clone?
Rachael Louise Payne 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 Rachael Louise Payne?
Protection works through The Right Mortgage Limited, the principal firm responsible for Rachael Louise Payne's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Rachael Louise Payne use any other names?
It trades as Ask Rachael Mortgages.

Sources and links

The full report on Rachael Louise Payne

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