Wharf Financial Services Ltd

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Buy-to-Let Mortgage Advice
Buy-to-Let Mortgage Arranging
Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Buy-to-Let Start Date
Buy-to-Let Status
Credit Brokering
Debt Negotiation
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- · Limited to debt adjusting excluding the conclusion or administration of debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.
Debt Advice
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- · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.

Senior staff personally approved by the FCA to hold their roles here.

Frazer James Campbell
IRN FJC01063
- CF1 Director (AR) (since 2 Dec 2025)
Marc Champ
IRN MXC37764
- SMF16 Compliance Oversight (since 26 May 2020)
- SMF3 Executive Director (since 26 May 2020)

Smaller firms operating under this firm's FCA authorisation.

Commercial Property Finance Limited
FRN 1045319 · Appointed 2 Dec 2025
Channel Island Finance Ltd (no longer appointed)
FRN 1003461 · Appointed 28 Sep 2023 · Until 20 Feb 2025
SPL Management Ltd (no longer appointed)
FRN 989387 · Appointed 3 Jan 2023 · Until 20 Feb 2025
Tag Management Consultancy Services Ltd (no longer appointed)
FRN 514826 · Appointed 21 Sep 2022 · Until 20 Feb 2025

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.