Vault Underwriting Limited

Reference number: 1014256

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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

Pro MGA Solutions Ltd Reference number: 770419 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.
  • Vault Underwriting Limited (FRN 1014256) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Vault Underwriting's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vault Underwriting, 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

    01234 567890

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Allen House, 1 Westmead Road, Sutton, SM1 4LA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01234 567890 is, and the 2 other firms that give it
  • Who else gives the postcode SM1 4LA
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Other names (2)

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

  • Vault Surety Trading name
  • Vault UW Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pro MGA Solutions 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
15263209
Company status
Active
Company type
Private limited company
Incorporated
6 November 2023 (2 years old)
Registered office
Allen House, 1 Westmead Road, Sutton, SM1 4LA, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Marcus David Hopkins Director Sep 1967 6 Nov 2023 2 other companies
Paul Michael Philand Director Jul 1967 6 Nov 2023 4 other companies
Andrew Benjamin Evans Director Jun 1986 22 Jan 2026 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
6
closed down
2
run together
2

In the full report: all 6 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
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Cash at bank

£458

No earlier figure to compare

Owed within a year

£116k

No earlier figure to compare

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.

Accounts filed at Companies House for company 15263209. 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

Vault Underwriting’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2025

11 June 2025

  • Changed its registered name from "Vault UW Limited"

FCA register

2024

2 July 2024

  • Became an appointed representative

FCA register

2023

6 November 2023

  • Incorporated at Companies House
  • Vault Mga Limited took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Vault Underwriting

Other FCA-listed firms that share a director, phone number or address with Vault Underwriting. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
no longer authorised
2
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Vault Underwriting

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

In the Sutton (SM) postcode area

Alan Kenneth CottageCarshaltonAppointed representativeAminmohamed Habib KotadiaWallingtonAppointed representativeDogan Muharrem TosunCarshaltonAppointed representativeIdeal Mortgage Advice LtdCarshaltonAppointed representativeKetheeskumaran SivakolunthuSuttonAppointed representativePark Grove Mortgages LtdBansteadAppointed 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 Vault Underwriting

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

  • 6 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 9 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Vault Underwriting Limited FCA authorised?
Vault Underwriting Limited (FRN 1014256) 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 Vault Underwriting?
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. Vault Underwriting Limited (FRN 1014256) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Vault Underwriting's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vault Underwriting, 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 Vault Underwriting’s phone number?
The FCA register lists the phone number 01234 567890 for Vault Underwriting. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms, one of which is no longer authorised.
Is Vault Underwriting a scam or clone?
Vault Underwriting 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 Vault Underwriting?
Protection works through Pro MGA Solutions Ltd, the principal firm responsible for Vault Underwriting's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vault Underwriting?
Vault Underwriting is owned by Vault Mga Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 November 2023.
Who runs Vault Underwriting?
Companies House lists 3 directors of Vault Underwriting: Marcus David Hopkins, Paul Michael Philand and Andrew Benjamin Evans.
How long has Vault Underwriting been in business?
The company was formed on 6 November 2023.
What do Vault Underwriting’s latest accounts show?
Its latest accounts, to 31 December 2025, show cash at bank of £458 (no earlier figure to compare).
Does Vault Underwriting use any other names?
It trades as Vault Surety. It has previously used the name Vault UW Limited.

Sources and links

The full report on Vault Underwriting Limited

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