Sandcastle Mortgages (Oxford) Limited

Reference number: 515328

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Sandcastle Mortgages (Oxford) Limited (FRN 515328) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Sandcastle Mortgages (Oxford)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sandcastle Mortgages (Oxford), 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When sandcastlemortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01865 379839 is
  • Who else gives the postcode OX5 2DH
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Other names (3)

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

  • Sharon Mulholland Former name
  • Sandcastle Mortgages Former trading name
  • Sandcastle Wealth Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
10669278
Company status
Active
Company type
Private limited company
Incorporated
14 March 2017 (9 years old)
Registered office
7 High Street Second Floor, Front Office, 7 High Street, Kidlington, Oxford, OX5 2DH, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Christopher Wilson Director Nov 1966 14 Mar 2017 None
Sharon Maria Wilson Director Jan 1967 14 Mar 2017 None
Olivia Rose Violet Bockett Director Dec 1997 1 Jul 2022 1 other company

Other companies run by these 3 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£816

Up £635 from £181

Employees (average)

3

Same as 3

Owed within a year

£91.7k

+119% from £41.9k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 10669278. 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

Sandcastle Mortgages (Oxford)’s history from the FCA register and Companies House, newest first.

Key events (4) All events (15)

2017

23 May 2017

  • Changed its registered name from "Sharon Mulholland"

FCA register

14 March 2017

  • Incorporated at Companies House
  • Sharon Maria Wilson took control (75–100% of shares)

Companies House

2009

29 December 2009

  • Became an appointed representative

FCA register

In the full report: all 15 events

  • All 15 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Sandcastle Mortgages (Oxford)

Other FCA-listed firms that share a director, phone number or address with Sandcastle Mortgages (Oxford). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Sandcastle Mortgages (Oxford)

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

In Kidlington

The Money Consultancy LimitedKidlingtonAppointed representativeWMJ Mortgage Management LtdKidlingtonAppointed representative

In the Oxford (OX) postcode area

Ashurst Mortgage Solutions LimitedDidcotAppointed representativeBicester Mortgage & InsurancesBicesterAppointed representativeBright Money Independent LtdThameAppointed representativeCarbon FC (Oxford) LtdOxfordAppointed 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 Sandcastle Mortgages (Oxford)

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 15 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sandcastle Mortgages (Oxford) Limited FCA authorised?
Sandcastle Mortgages (Oxford) Limited (FRN 515328) 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 Sandcastle Mortgages (Oxford)?
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. Sandcastle Mortgages (Oxford) Limited (FRN 515328) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Sandcastle Mortgages (Oxford)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sandcastle Mortgages (Oxford), 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 Sandcastle Mortgages (Oxford)’s phone number and website?
The FCA register lists the phone number 01865 379839 and the website sandcastlemortgages.co.uk for Sandcastle Mortgages (Oxford). If you were given different contact details, use these to check with the firm before going any further.
Is Sandcastle Mortgages (Oxford) a scam or clone?
Sandcastle Mortgages (Oxford) 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 Sandcastle Mortgages (Oxford)?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Sandcastle Mortgages (Oxford)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sandcastle Mortgages (Oxford)?
Companies House lists one person with significant control of Sandcastle Mortgages (Oxford): Ms Sharon Maria Wilson (75–100% of shares).
Who runs Sandcastle Mortgages (Oxford)?
Companies House lists 3 directors of Sandcastle Mortgages (Oxford): Andrew Christopher Wilson, Sharon Maria Wilson and Olivia Rose Violet Bockett.
How long has Sandcastle Mortgages (Oxford) been in business?
The company was formed on 14 March 2017.
What do Sandcastle Mortgages (Oxford)’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £816 (up £635 from £181).
Does Sandcastle Mortgages (Oxford) use any other names?
It has previously used 3 other names: Sharon Mulholland, Sandcastle Mortgages and Sandcastle Wealth Management.

Sources and links

The full report on Sandcastle Mortgages (Oxford) Limited

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