Suzanne Mary Toner

Reference number: 1050367

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Appointed representative

Suzanne Mary Toner does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Beneficial Ltd Reference number: 736655 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.
  • Suzanne Mary Toner (FRN 1050367) is an AR of Beneficial Ltd (FRN 736655). When you use Suzanne Mary Toner's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Suzanne Mary Toner, 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.

  • No website on the FCA register

  • Phone number

    07522 408118

  • Address

    29 Old Shoreham Road, Shoreham-By-Sea, West Sussex, BN43 5TA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07522 408118 is
  • Who else gives the postcode BN43 5TA
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Other names (1)

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

  • Your Mortgage Guru Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Beneficial Ltd, 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.

Key dates in its history

Suzanne Mary Toner’s history from the FCA register and Companies House, newest first.

2026

30 January 2026

  • Became an appointed representative
  • Began trading as "Your Mortgage Guru"

FCA register

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

Firms like Suzanne Mary Toner

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

In Shoreham-By-Sea

Cleeves Financial Services LimitedShoreham-By-SeaAppointed representativeJames KaslikShoreham-by-SeaAppointed representativeSimon ConnShoreham-by-SeaAppointed representativeStuart Bryan AvernShoreham-by-SeaAppointed representativeCOLOFS.CO.UK LtdShoreham-by-SeaAppointed representativeChris BattonShoreham-By-SeaAuthorised

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 Suzanne Mary Toner

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

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Suzanne Mary Toner FCA authorised?
Suzanne Mary Toner (FRN 1050367) 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 Suzanne Mary Toner?
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. Suzanne Mary Toner (FRN 1050367) is an AR of Beneficial Ltd (FRN 736655). When you use Suzanne Mary Toner's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Suzanne Mary Toner, 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 Suzanne Mary Toner’s phone number?
The FCA register lists the phone number 07522 408118 for Suzanne Mary Toner. If you were given different contact details, use these to check with the firm before going any further.
Is Suzanne Mary Toner a scam or clone?
Suzanne Mary Toner 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 Suzanne Mary Toner?
Protection works through Beneficial Ltd, the principal firm responsible for Suzanne Mary Toner's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Suzanne Mary Toner use any other names?
It trades as Your Mortgage Guru.

Sources and links

The full report on Suzanne Mary Toner

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