Versatile Mortgages Ltd

Reference number: 1041139

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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

OSL Financial Services Ltd Reference number: 948512 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.
  • Versatile Mortgages Ltd (FRN 1041139) is an AR of OSL Financial Services Ltd (FRN 948512). When you use Versatile Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Versatile 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.

  • No website on the FCA register

  • Phone number

    07985 416911

  • Address

    151 Roseville Road, Hayes, Hillingdon, UB3 4RA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07985 416911 is
  • Who else gives the postcode UB3 4RA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through OSL Financial Services 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
16610052
Company status
Active
Company type
Private limited company
Incorporated
28 July 2025 (1 year old)
Registered office
151 Roseville Road, Hayes, UB3 4RA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Jasbeer Kaur Banipal Director Dec 1971 28 Jul 2025 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

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

2025

29 August 2025

  • Became an appointed representative

FCA register

28 July 2025

  • Incorporated at Companies House
  • Jasbeer Kaur Banipal took control (75–100% of shares)
  • Jasbeer Kaur Banipal appointed as a director

Companies House

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

Firms like Versatile Mortgages

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

In Hayes

Assure Financial Services LimitedHayesAppointed representativeBest Mortgage LimitedHayesAppointed representativeCamila Visnhescki FacchinHayesAppointed representativeMoney Save Mortgage LtdHayesAppointed representativeAman DhandHayesAuthorisedBespoke Mortgages LtdHayesAuthorised

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 Versatile 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
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Versatile Mortgages Ltd FCA authorised?
Versatile Mortgages Ltd (FRN 1041139) 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 Versatile 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. Versatile Mortgages Ltd (FRN 1041139) is an AR of OSL Financial Services Ltd (FRN 948512). When you use Versatile Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Versatile 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 Versatile Mortgages’ phone number?
The FCA register lists the phone number 07985 416911 for Versatile Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Versatile Mortgages a scam or clone?
Versatile 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 Versatile Mortgages?
Protection works through OSL Financial Services Ltd, the principal firm responsible for Versatile Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Versatile Mortgages?
Companies House lists one person with significant control of Versatile Mortgages: Mrs Jasbeer Kaur Banipal (75–100% of shares).
Who runs Versatile Mortgages?
Companies House lists one director of Versatile Mortgages: Jasbeer Kaur Banipal.
How long has Versatile Mortgages been in business?
The company was formed on 28 July 2025.

Sources and links

The full report on Versatile Mortgages Ltd

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