Winstree Financial Services Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 March 2026

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.

Website

winstreefinancial.co.uk (opens in a new tab)
Phone number

01206 982828
Address

Winstree Financial Services, Wellington House 90-92, Butt Road, Colchester, Essex, CO3 3DA, United Kingdom

In the full report: 3 background checks

When winstreefinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01206 982828 is
Who else gives the postcode CO3 3DA

Other names (10)

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

Doddle Trading name: A name it trades under now.
Doddle Financial Trading name: A name it trades under now.
Its A Doddle Trading name: A name it trades under now.
Winstree Mortgages Trading name: A name it trades under now.
Fees Free Mortgages Former trading name: A name it used to trade under.
Move My Mortgage Former trading name: A name it used to trade under.
Sanquhar Mortgages Former trading name: A name it used to trade under.
Virtue Protect Former trading name: A name it used to trade under.
Winstree Overseas Former trading name: A name it used to trade under.
YEP Financial Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (10 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 11232942 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 March 2018 (8 years old)
Registered office: Wellington House, 90/92 Butt Road, Colchester, Essex, CO3 3DA, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Krzysztof Buda	Director	Mar 1977	5 Mar 2018	1 other company
Tracey Anne Buda	Director	Nov 1980	27 May 2022	1 other company

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 company: 1
closed down: 1
run together: 1

In the full report: all 1 company, 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 1 company these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£214k

−13% from £246k

Cash at bank

£220k

−47% from £415k

Employees (average)

4

−20% from 5

Owed within a year

£7,170

−95% from £154k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 11232942. 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

Winstree Financial Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (25)

2025

14 March 2025

Krzysztof Buda became a part-owner (25–50% of shares)

Companies House

2018

31 August 2018

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

5 March 2018

Incorporated at Companies House

Companies House

In the full report: all 25 events

All 25 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms like Winstree Financial Services

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

In Colchester

Dixon Simmons & Turner Financial Solutions LimitedColchesterAuthorised Fiona Jane FitzgeraldColchesterAuthorised Jaspal BolaColchesterAuthorised Mitchell MannColchesterAuthorised Optimize Financial Services LimitedColchesterAuthorised Positive Property Finance LtdColchesterAuthorised

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 Winstree Financial Services

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

1 other company its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 25 events in its history

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Frequently asked questions about this firm

Is Winstree Financial Services Ltd FCA authorised?

Yes, Winstree Financial Services Ltd (FRN 810624) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2018 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Winstree Financial Services’ phone number and website?

The FCA register lists the phone number 01206 982828 and the website winstreefinancial.co.uk for Winstree Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Winstree Financial Services a scam or clone?

Winstree Financial Services 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 Winstree Financial Services?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Winstree Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Winstree Financial Services?

Companies House lists one person with significant control of Winstree Financial Services: Mr Krzysztof Buda (25–50% of shares).

Who runs Winstree Financial Services?

Companies House lists 2 directors of Winstree Financial Services: Krzysztof Buda and Tracey Anne Buda.

How long has Winstree Financial Services been in business?

The company was formed on 5 March 2018, and has held its current FCA authorisation since August 2018.

What do Winstree Financial Services’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £214k (−13% from £246k) and cash at bank of £220k (−47% from £415k).

Does Winstree Financial Services use any other names?

It trades as Doddle, Doddle Financial, Its A Doddle and Winstree Mortgages. It has previously used 6 other names, including Fees Free Mortgages, Move My Mortgage and Sanquhar Mortgages.