Sterling Pathway Limited

Reference number: 1044834

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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.

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.
  • Sterling Pathway Limited (FRN 1044834) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sterling Pathway's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sterling Pathway, 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 sterling-pathway.co.uk first appeared online, and whether it can receive email
  • What kind of line 0191 622 0962 is
  • Who else gives the postcode NE1 3DY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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 status
Active
Company type
Private limited company
Incorporated
6 August 2025 (1 year old)
Registered office
Rotterdam House, 116 Quayside, Newcastle Upon Tyne, NE1 3DY, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
William Edward Martin Lawrence Director Jul 1991 6 Aug 2025 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
still active
2

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
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Key dates in its history

Sterling Pathway’s history from the FCA register and Companies House, newest first.

2025

28 November 2025

  • Became an appointed representative

FCA register

6 August 2025

  • Incorporated at Companies House
  • Willaw Limited took control (75–100% of shares)
  • William Edward Martin Lawrence appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Sterling Pathway

Other FCA-listed firms that share a director, phone number or address with Sterling Pathway. 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 Sterling Pathway

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

In Newcastle Upon Tyne

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 Sterling Pathway

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
  • All 4 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sterling Pathway Limited FCA authorised?
Sterling Pathway Limited (FRN 1044834) 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 Sterling Pathway?
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. Sterling Pathway Limited (FRN 1044834) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sterling Pathway's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sterling Pathway, 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 Sterling Pathway’s phone number and website?
The FCA register lists the phone number 0191 622 0962 and the website sterling-pathway.co.uk for Sterling Pathway. If you were given different contact details, use these to check with the firm before going any further.
Is Sterling Pathway a scam or clone?
Sterling Pathway 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 Sterling Pathway?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Sterling Pathway's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sterling Pathway?
Sterling Pathway is owned by Willaw Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 August 2025.
Who runs Sterling Pathway?
Companies House lists one director of Sterling Pathway: William Edward Martin Lawrence.
How long has Sterling Pathway been in business?
The company was formed on 6 August 2025.

Sources and links

The full report on Sterling Pathway Limited

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