Windsor Hill Mortgages Ltd

Reference number: 923475

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Windsor Hill Mortgages Ltd (FRN 923475) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Windsor Hill Mortgages.
  • Example: if Windsor Hill Mortgages refers you to a financial adviser, the advice should come from the principal firm, not from Windsor Hill Mortgages itself.
  • 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

    01225 962446

  • Address

    Paulton House, Old Mills, Bristol, Somerset, BS39 7SX, United Kingdom

In the full report: 2 background checks

  • What kind of line 01225 962446 is
  • Who else gives the postcode BS39 7SX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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 name
WINDSOR HILL MORTGAGES LIMITED
Company number
12462645
Company status
Active
Company type
Private limited company
Incorporated
14 February 2020 (6 years old)
Registered office
9-10 Bath Street, Bath, BA1 1SN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Oliver William Henry Cotterell Director Jul 1992 14 Feb 2020 5 other companies
Elliot Andrew Cotterell Director Jan 1994 21 Sep 2022 None
Ruth Mary Cotterell Secretary Not published 14 Feb 2020 –

Other companies run by these 2 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
5
closed down
1
are FCA-registered
2

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
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Filed accounts and finances

Year to 30 December 2025Small company accountsNot audited

Net assets

−£57.3k

Down £29.1k from −£28.1k

Cash at bank

£191

Up £177 from £14

Employees (average)

2

Same as 2

Owed within a year

£206k

+27% from £162k

Net assets are negative: on its last balance sheet the company owed £57.3k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 12462645. 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

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

2024

27 December 2024

  • Elliot Andrew Cotterell stopped being a part-owner

Companies House

2022

21 September 2022

  • Elliot Andrew Cotterell became a part-owner (25–50% of shares)
  • Elliot Andrew Cotterell appointed as a director

Companies House

2020

29 March 2020

  • Became an introducer appointed representative

FCA register

21 February 2020

  • Oliver William Henry Cotterell took control (75–100% of shares)

Companies House

14 February 2020

  • Incorporated at Companies House
  • Oliver William Henry Cotterell appointed as a director

Companies House

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

Firms connected to Windsor Hill Mortgages

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

connected firms
4
no longer authorised
1
share a director
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Windsor Hill Mortgages

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

In Bristol

Advise and Protect LimitedBristolAppointed representativeAlko Mortgages LtdBristolAppointed representativeAlternative Business Funding LimitedBristolAppointed representativeAmar SinghBristolAppointed representativeAmberley Financial Services LimitedBristolAppointed representativeAndy Rooke Financial Consultancy LimitedBristolAppointed 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 Windsor Hill Mortgages

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

  • 5 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 7 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Windsor Hill Mortgages Ltd FCA authorised?
Windsor Hill Mortgages Ltd (FRN 923475) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Windsor Hill Mortgages?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Windsor Hill Mortgages Ltd (FRN 923475) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Windsor Hill Mortgages. Example: if Windsor Hill Mortgages refers you to a financial adviser, the advice should come from the principal firm, not from Windsor Hill Mortgages itself. 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 Windsor Hill Mortgages’ phone number?
The FCA register lists the phone number 01225 962446 for Windsor Hill Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Windsor Hill Mortgages a scam or clone?
Windsor Hill 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 Windsor Hill Mortgages?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Windsor Hill Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Windsor Hill Mortgages?
Companies House lists one person with significant control of Windsor Hill Mortgages: Mr Oliver William Henry Cotterell (75–100% of shares). Before that, it was controlled by Mr Elliot Andrew Cotterell.
Who runs Windsor Hill Mortgages?
Companies House lists 2 directors of Windsor Hill Mortgages: Oliver William Henry Cotterell and Elliot Andrew Cotterell.
How long has Windsor Hill Mortgages been in business?
The company was formed on 14 February 2020.
What do Windsor Hill Mortgages’ latest accounts show?
Its latest accounts, to 30 December 2025, show net assets of −£57.3k (down £29.1k from −£28.1k) and cash at bank of £191 (up £177 from £14).

Sources and links

The full report on Windsor Hill Mortgages Ltd

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