So Davies Group Limited

Reference number: 675451

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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

HL Partnership Limited Reference number: 303397 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.
  • So Davies Group Limited (FRN 675451) is an AR of HL Partnership Limited (FRN 303397). When you use So Davies Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from So Davies Group, 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 so-mortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01934 253494 is
  • Who else gives the postcode BS22 6AR
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Other names (3)

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

  • So Mortgages Trading name
  • Pamela Davies Former name
  • So Davies Group Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
10574216
Company status
Active
Company type
Private limited company
Incorporated
20 January 2017 (9 years old)
Registered office
2 Laurel House 1 Station Road, Worle, Weston-Super-Mare, BS22 6AR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Pamela Davies Director Aug 1983 20 Jan 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£33

Up £31 from £2

Employees (average)

2

Same as 2

Owed within a year

£8,107

−17% from £9,730

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 10574216. 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

So Davies Group’s history from the FCA register and Companies House, newest first.

Key events (6) All events (9)

2023

14 December 2023

  • Changed its registered name from "So Davies Group Ltd"

FCA register

2017

6 March 2017

  • Changed its registered name from "Pamela Davies"

FCA register

20 January 2017

  • Incorporated at Companies House
  • Pamela Davies took control (75–100% of shares)

Companies House

2015

8 April 2015

  • Changed its registered name from "So Mortgages"

FCA register

5 March 2015

  • Became an appointed representative

FCA register

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 1
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Firms like So Davies Group

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

In Weston-Super-Mare

CMA Mortgage Brokers LtdWeston-Super-MareAppointed representativeCollar Mortgage Services LimitedWeston-Super-MareAppointed representativeElkins Mortgage ServicesWeston-super-MareAppointed representativeHD Financial LtdWeston-super-MareAppointed representativeJC Mortgage Brokers LtdWeston-Super-MareAppointed representativeJpmortgages LtdWeston-Super-MareAppointed 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 So Davies Group

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is So Davies Group Limited FCA authorised?
So Davies Group Limited (FRN 675451) 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 So Davies Group?
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. So Davies Group Limited (FRN 675451) is an AR of HL Partnership Limited (FRN 303397). When you use So Davies Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from So Davies Group, 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 So Davies Group’s phone number and website?
The FCA register lists the phone number 01934 253494 and the website so-mortgages.co.uk for So Davies Group. If you were given different contact details, use these to check with the firm before going any further.
Is So Davies Group a scam or clone?
So Davies Group 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 So Davies Group?
Protection works through HL Partnership Limited, the principal firm responsible for So Davies Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns So Davies Group?
Companies House lists one person with significant control of So Davies Group: Mrs Pamela Davies (75–100% of shares).
Who runs So Davies Group?
Companies House lists one director of So Davies Group: Pamela Davies.
How long has So Davies Group been in business?
The company was formed on 20 January 2017.
What do So Davies Group’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £33 (up £31 from £2).
Does So Davies Group use any other names?
It trades as So Mortgages. It has previously used 2 other names: Pamela Davies and So Davies Group Ltd.

Sources and links

The full report on So Davies Group Limited

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