WINCHESTER SMILES LIMITED

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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.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Consumer Loans
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- · This permission is limited to lending which the firm carries on as a supplier and (i) no charge (by way of interest or otherwise) is payable by the borrower in connection with the provision of credit under the regulated credit agreement; (ii) the regulated credit agreement is not a hire-purchase agreement or a conditional sale agreement; and (iii) unless the firm is a not-for profit body, the obligation of the borrower to repay is not secured, and is not to be secured, by a legal mortgage on land
Loan Servicing
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- · This permission is limited to exercising the rights and duties of loans which the firm carries on as a supplier - and (i) no charge (by way of interest or otherwise) is payable by the borrower in connection with the provision of credit under the regulated credit agreement;(ii) the regulated credit agreement is not a hire-purchase agreement or a conditional sale agreement; and (iii) unless the firm is a not-for profit body, the obligation of the borrower to repay is not secured, and is not to be secured, by a legal mortgage on land

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

Frederik Mulder
IRN FXM00231
- Director of firm who is not a certification employee or a SMF manager (since 6 Feb 2023)
Iain George Hoeltschi
IRN IXH00216
- SMF29 Limited scope function (limited scope SMCR firms only) (since 12 Mar 2026)
Iain George Hoeltschi
IRN IGH01030
- SMF29 Limited scope function (limited scope SMCR firms only) (since 12 Mar 2026)
Joseph Thomas McGill
IRN JXM04424
- Director of firm who is not a certification employee or a SMF manager (since 26 Jan 2026)
Susanna Mulder
IRN SXM03861
- SMF29 Limited scope function (limited scope SMCR firms only) (18 Jan 2023 to 13 Mar 2026)

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.