The Bay Mortgages Ltd

Reference number: 978550

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • The Bay Mortgages Ltd (FRN 978550) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use The Bay Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Bay Mortgages, 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 thebaymortgages.com first appeared online, and whether it can receive email
  • What kind of line 07531 825254 is
  • Who else gives the postcode SA2 0RU
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Other names (1)

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

  • Andrew David Marvelley Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group 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.

Companies House record

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

Company number
17297154
Company status
Active
Company type
Private limited company
Incorporated
23 June 2026 (less than a year old)
Registered office
33 Notts Gardens, Uplands, Swansea, SA2 0RU, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew David Marvelley Director Jan 1985 23 Jun 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

The Bay Mortgages’s history from the FCA register and Companies House, newest first.

2026

29 July 2026

  • Changed its registered name from "Andrew David Marvelley"

FCA register

23 June 2026

  • Incorporated at Companies House
  • Andrew David Marvelley took control (75–100% of shares)
  • Andrew David Marvelley appointed as a director

Companies House

2022

3 August 2022

  • Began trading as "The Bay Mortgages"

FCA register

5 July 2022

  • Became an appointed representative

FCA register

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

Firms like The Bay Mortgages

Other firms of the same type (insurance broker), nearest first.

In Swansea

Davies-Logan Loss Assessors LtdSwanseaAppointed representativeFisher Insure Services LtdSwanseaAppointed representativeFRISUK LtdSwanseaAppointed representativeMaybery Financial Services LtdSwanseaAppointed representativeMiller & Partner LimitedSwanseaAppointed representativeMSS Mortgages Swansea LtdSwanseaAppointed 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 The Bay Mortgages

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
  • All 6 events in its history

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Frequently asked questions about this firm

Is The Bay Mortgages Ltd FCA authorised?
The Bay Mortgages Ltd (FRN 978550) 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 The Bay Mortgages?
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. The Bay Mortgages Ltd (FRN 978550) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use The Bay Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Bay Mortgages, 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 The Bay Mortgages’ phone number and website?
The FCA register lists the phone number 07531 825254 and the website thebaymortgages.com for The Bay Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is The Bay Mortgages a scam or clone?
The Bay Mortgages 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 The Bay Mortgages?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for The Bay Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Bay Mortgages?
Companies House lists one person with significant control of The Bay Mortgages: Mr Andrew David Marvelley (75–100% of shares).
Who runs The Bay Mortgages?
Companies House lists one director of The Bay Mortgages: Andrew David Marvelley.
How long has The Bay Mortgages been in business?
The company was formed on 23 June 2026.
Does The Bay Mortgages use any other names?
It has previously used the name Andrew David Marvelley.

Sources and links

The full report on The Bay Mortgages Ltd

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