Silveridge Financial Services Ltd: FCA regulated?

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 2002
Accounts filed up to 30 September 2025
Confirmation statement is overdue at Companies House
On its latest accounts it owed £32.9k more than it owned

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.
Silveridge Financial Services Ltd (FRN 409327) is an AR of The Right Mortgage Limited (FRN 649443). When you use Silveridge Financial Services's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Silveridge 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.

Website

silveridge-financial-services.co.uk (opens in a new tab)
Phone number

01235 522995
Address

Hampden House, Monument Business Park, Warpsgrove Lane, Chalgrove, Oxford, Oxfordshire, OX44 7RW, United Kingdom

In the full report: 3 background checks

When silveridge-financial-services.co.uk first appeared online, and whether it can receive email
What kind of line 01235 522995 is
Who else gives the postcode OX44 7RW

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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

Confirmation statement is overdue at Companies House.

Company name: SILVERIDGE FINANCIAL SERVICES LIMITED
Company number: 04444816 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 May 2002 (24 years old)
Registered office: 70b High Street, Bassingbourn, Royston, SG8 5LF, England
Nature of business: Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Littlewood	Director	Mar 1971	22 May 2002	2 other companies

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: 2
closed down: 1
still active: 1

In the full report: all 2 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

Year to 30 September 2025Small company accountsNot audited

Net assets

−£32.9k

Down £6,034 from −£26.9k

Employees (average)

1

Same as 1

Owed within a year

£25.4k

+42% from £17.9k

Net assets are negative: on its last balance sheet the company owed £32.9k more than it owned.

Net assets

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 04444816. 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

Silveridge Financial Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2016

6 April 2016

Paul Littlewood gained significant control

Companies House

2004

31 October 2004

Became an appointed representative

FCA register

2002

22 May 2002

Incorporated at Companies House

Companies House

In the full report: all 6 events

All 6 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to Silveridge Financial Services

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like Silveridge Financial Services

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

In Oxford

Carbon FC (Oxford) LtdOxfordAppointed representative Cloud Mortgage Services LimitedOxfordAppointed representative Edward BattyOxfordAppointed representative John Christopher EllisOxfordAppointed representative Mortgages Inc .LtdOxfordAppointed representative Robert Francis BrownOxfordAppointed 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 Silveridge Financial Services

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

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

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Frequently asked questions about this firm

Is Silveridge Financial Services Ltd FCA authorised?

Silveridge Financial Services Ltd (FRN 409327) 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 Silveridge Financial Services?

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. Silveridge Financial Services Ltd (FRN 409327) is an AR of The Right Mortgage Limited (FRN 649443). When you use Silveridge Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Silveridge 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.

What is Silveridge Financial Services’ phone number and website?

The FCA register lists the phone number 01235 522995 and the website silveridge-financial-services.co.uk for Silveridge Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Silveridge Financial Services a scam or clone?

Silveridge Financial Services 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 Silveridge Financial Services?

Protection works through The Right Mortgage Limited, the principal firm responsible for Silveridge Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Silveridge Financial Services?

Companies House lists one person with significant control of Silveridge Financial Services: Mr Paul Littlewood (significant influence or control).

Who runs Silveridge Financial Services?

Companies House lists one director of Silveridge Financial Services: Paul Littlewood.

How long has Silveridge Financial Services been in business?

The company was formed on 22 May 2002.

What do Silveridge Financial Services’ latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of −£32.9k (down £6,034 from −£26.9k).