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.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2006
- Accounts filed up to 30 April 2025
Responsible principal firm
Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
- Safeguard Financial Services Limited (FRN 426083) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Safeguard Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Safeguard Financial Services, 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.
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No website on the FCA register
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Phone number
-
Address
3 Earls Court, Fifth Avenue, Team Valley Trading Estate, Gateshead, Tyne and Wear, NE11 0HF, United Kingdom
In the full report: 2 background checks
- What kind of line 0845 450 1388 is
- Who else gives the postcode NE11 0HF
Other names (3)
If you were contacted under any of these names, it is this firm.
- Safeguard Financial Services Former name: A name it was registered under before.
- Safeguard Financial Services Ltd Former name: A name it was registered under before.
- Safe Circle Mortgages Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau (Derby) 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, freeYou 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
- 05796129 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 April 2006 (20 years old)
- Registered office
- C/O Office 3.04 Baltimore House, Baltic Business Quarter, Gateshead, NE8 3DF, England
- Nature of business
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- Life insurance (SIC 65110)
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Wayne Curry | Director | Dec 1964 | 26 Apr 2006 | 3 other companies |
| Melissa Erin Curry | Secretary | Not published | 14 Jun 2006 | – |
Other companies run by its director
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 3
- closed down
- 2
- still active
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£79.9k
−6% from £85.0k
Cash at bank
£193k
+86% from £104k
Employees (average)
37
+12% from 33
Owed within a year
£524k
−35% from £809k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 05796129. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Safeguard Financial Services’s history from the FCA register and Companies House, newest first.
2024
30 September 2024
- Changed its registered name from "Safeguard Financial Services Ltd"
FCA register
2016
6 April 2016
- Safeguard Property Limited took control (75–100% of shares)
- Wayne Curry gained significant control
Companies House
2006
27 July 2006
- Changed its registered name from "Safeguard Financial Services"
FCA register
26 April 2006
- Incorporated at Companies House
Companies House
2005
7 February 2005
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms like Safeguard Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Gateshead
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 Safeguard Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Safeguard Financial Services?
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Is Safeguard Financial Services a scam or clone?
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Who owns Safeguard Financial Services?
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How long has Safeguard Financial Services been in business?
What do Safeguard Financial Services’ latest accounts show?
Does Safeguard Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk