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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2012
- Accounts filed up to 30 September 2025
- On its latest accounts it owed £9,416 more than it owned
Responsible principal firm
Advance Mortgage Funding Limited Reference number: 305008 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.
- Sphere Financial Services Ltd (FRN 588832) is an AR of Advance Mortgage Funding Limited (FRN 305008). When you use Sphere Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Sphere 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.
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No website on the FCA register
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Phone number
-
Address
22 Market Street, Whaley Bridge, High Peak, SK23 7LP, United Kingdom
In the full report: 2 background checks
- What kind of line 01663 762845 is
- Who else gives the postcode SK23 7LP
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Advance Mortgage Funding 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
- 08214925 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private company limited by guarantee
- Incorporated
- 14 September 2012 (14 years old)
- Registered office
- 20-22 Market Street, Whaley Bridge, High Peak, SK23 7LP, England
- Nature of business
-
- Management consultancy activities other than financial management (SIC 70229)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicola Huxley | Director | Jul 1976 | 14 Sep 2012 | 2 other companies |
| Ross Alexander Paterson | Director | Feb 1978 | 14 Sep 2012 | 1 other company |
| David John Huxley | Director | Jun 1975 | 8 Jul 2015 | 2 other companies |
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 companies
- 2
- closed down
- 1
- run together
- 2
In the full report: all 2 companies, 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
- The 2 companies these 3 directors run together
Filed accounts and finances
Net assets
−£9,416
Up £18.1k from −£27.5k
Employees (average)
6
−14% from 7
Owed within a year
£39.3k
−1.9% from £40.0k
Net assets are negative: on its last balance sheet the company owed £9,416 more than it owned.
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
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 08214925. 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
Sphere Financial Services’s history from the FCA register and Companies House, newest first.
2018
6 March 2018
- Nicola Huxley gained significant control
Companies House
2012
26 September 2012
- Became an appointed representative
FCA register
14 September 2012
- 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 like Sphere Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In High Peak
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 Sphere 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
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 6 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Sphere Financial Services?
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Is Sphere Financial Services a scam or clone?
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Who owns Sphere Financial Services?
Who runs Sphere Financial Services?
How long has Sphere Financial Services been in business?
What do Sphere Financial Services’ 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