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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 September 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Salt & Pepper Mortgages Limited (FRN 1020631) is an AR of Sesame Limited (FRN 150427). When you use Salt & Pepper Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Salt & Pepper Mortgages, 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
7 Laureate Paddocks, Newmarket, Suffolk, CB8 0AP, United Kingdom
In the full report: 2 background checks
- What kind of line 07445 602649 is
- Who else gives the postcode CB8 0AP
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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
- 15951668 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 September 2024 (2 years old)
- Registered office
- 7 Laureate Industrial Estate, Newmarket, CB8 0AP, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Amar Manvir Singh Sohal | Director | Dec 1987 | 11 Sep 2024 | 2 other companies |
| Daniel Omar Ali-Cherif | Director | Jul 1983 | 29 Jun 2026 | 3 other companies |
Other companies run by these 2 directors
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
- 5
- closed down
- 2
- still active
- 3
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£2,913
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£3,020
No earlier figure to compare
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 15951668. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Salt & Pepper Mortgages’s history from the FCA register and Companies House, newest first.
2026
29 June 2026
- Daniel Omar Ali-cherif appointed as a director
Companies House
2024
21 November 2024
- Became an appointed representative
FCA register
11 September 2024
- Incorporated at Companies House
- Amar Manvir Singh Sohal took control (75–100% of shares)
- Amar Manvir Singh Sohal appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Salt & Pepper Mortgages
Other FCA-listed firms that share a director, phone number or address with Salt & Pepper Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Salt & Pepper Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Newmarket
In the Cambridge (CB) postcode area
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 Salt & Pepper Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Salt & Pepper Mortgages Limited FCA authorised?
What does appointed representative mean for Salt & Pepper Mortgages?
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Who runs Salt & Pepper Mortgages?
How long has Salt & Pepper Mortgages been in business?
What do Salt & Pepper Mortgages’ latest accounts show?
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