Upton Financial Advice Ltd

Reference number: 823279

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Upton Financial Advice Ltd (FRN 823279) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Upton Financial Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Upton Financial Advice, 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 uptonfinancialadvice.com first appeared online, and whether it can receive email
  • What kind of line 07584 573323 is
  • Who else gives the postcode EX35 6DF
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Other names (1)

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

  • Sherilyn Ann Hill Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
13016976
Company status
Active
Company type
Private limited company
Incorporated
13 November 2020 (5 years old)
Registered office
10 Park Gardens, Lynton, EX35 6DF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Sherilyn Hill Director Nov 1981 13 Nov 2020 None
Mia Grace Cheetham-Hill Director Aug 2002 4 Oct 2022 None
Sherilyn Hill Secretary Not published 13 Nov 2020 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£1,653

Up £1,372 from £281

Cash at bank

£9,778

+255% from £2,753

Employees (average)

1

Same as 1

Owed within a year

£10.1k

+307% from £2,472

Net assets

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • 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 13016976. 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

Upton Financial Advice’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2020

14 December 2020

  • Changed its registered name from "Sherilyn Ann Hill"

FCA register

13 November 2020

  • Incorporated at Companies House
  • Sherilyn Hill took control (75–100% of shares)

Companies House

2018

15 October 2018

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Upton Financial Advice

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

In the Exeter (EX) postcode area

A U LimitedAxminsterAppointed representativeAsset Finance Specialists LtdExeterAppointed representativeAwesome Mortgages LtdExeterAppointed representativeDamian KennedyExmouthAppointed representativeDaniel HarveyExeterAppointed representativeEmbrace Financial Services LTDExeterAppointed 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 Upton Financial Advice

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
  • 5 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Upton Financial Advice Ltd FCA authorised?
Upton Financial Advice Ltd (FRN 823279) 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 Upton Financial Advice?
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. Upton Financial Advice Ltd (FRN 823279) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Upton Financial Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Upton Financial Advice, 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 Upton Financial Advice’s phone number and website?
The FCA register lists the phone number 07584 573323 and the website uptonfinancialadvice.com for Upton Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Upton Financial Advice a scam or clone?
Upton Financial Advice 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 Upton Financial Advice?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Upton Financial Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Upton Financial Advice?
Companies House lists one person with significant control of Upton Financial Advice: Miss Sherilyn Hill (75–100% of shares).
Who runs Upton Financial Advice?
Companies House lists 2 directors of Upton Financial Advice: Sherilyn Hill and Mia Grace Cheetham-Hill.
How long has Upton Financial Advice been in business?
The company was formed on 13 November 2020.
What do Upton Financial Advice’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £1,653 (up £1,372 from £281) and cash at bank of £9,778 (+255% from £2,753).
Does Upton Financial Advice use any other names?
It has previously used the name Sherilyn Ann Hill.

Sources and links

The full report on Upton Financial Advice Ltd

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