Sandsea Capital Limited

Reference number: 1031867

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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.
  • Sandsea Capital Limited (FRN 1031867) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Sandsea Capital's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sandsea Capital, 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

  • When mortgageonefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01202 155992 is
  • Who else gives the postcode IG2 6HE
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Other names (2)

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

  • Mortgage One Trading name
  • Mortgage One Finance 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
11374947
Company status
Active
Company type
Private limited company
Incorporated
22 May 2018 (8 years old)
Registered office
555-557 Cranbrook Road Gants Hill, Ilford, Essex, IG2 6HE, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Barclay Moffat Director Mar 1972 22 May 2018 1 other company

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 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 its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 May 2026Micro-entity accountsNot audited

Net assets

£8,107

Up £28.8k from −£20.7k

Owed within a year

£2,376

−89% from £21.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 11374947. 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

Sandsea Capital’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2025

7 May 2025

  • Became an appointed representative

FCA register

2018

22 May 2018

  • Incorporated at Companies House
  • Matthew Barclay Moffat gained significant control

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Sandsea Capital

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Sandsea Capital

Other firms of the same type (financial adviser), nearest first.

In Ilford

Apex Associates LLPIlfordAppointed representativeClearview Financial Management LimitedIlfordAppointed representativeJagmohan Singh KamboIlfordAppointed representativeNade KhanIlfordAppointed representativeStanley PhillipIlfordAppointed representativeClaybridge Financial Planning LtdIlfordAuthorised

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 Sandsea Capital

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
  • 7 years of accounts, charted
  • All 6 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sandsea Capital Limited FCA authorised?
Sandsea Capital Limited (FRN 1031867) 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 Sandsea Capital?
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. Sandsea Capital Limited (FRN 1031867) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Sandsea Capital's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sandsea Capital, 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 Sandsea Capital’s phone number and website?
The FCA register lists the phone number 01202 155992 and the website mortgageonefinance.co.uk for Sandsea Capital. If you were given different contact details, use these to check with the firm before going any further.
Is Sandsea Capital a scam or clone?
Sandsea Capital 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 Sandsea Capital?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Sandsea Capital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sandsea Capital?
Companies House lists one person with significant control of Sandsea Capital: Mr Matthew Barclay Moffat (significant influence or control).
Who runs Sandsea Capital?
Companies House lists one director of Sandsea Capital: Matthew Barclay Moffat.
How long has Sandsea Capital been in business?
The company was formed on 22 May 2018.
What do Sandsea Capital’s latest accounts show?
Its latest accounts, to 31 May 2026, show net assets of £8,107 (up £28.8k from −£20.7k).
Does Sandsea Capital use any other names?
It trades as Mortgage One and Mortgage One Finance.

Sources and links

The full report on Sandsea Capital Limited

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