1Let Limited

Reference number: 517773

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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

Howden UK Brokers Limited Reference number: 307663 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.
  • 1Let Limited (FRN 517773) is an AR of Howden UK Brokers Limited (FRN 307663). When you use 1Let's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from 1Let, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When 1let.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 476 5500 is
  • Who else gives the postcode EH3 7DS
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Other names (1)

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

  • 1Let Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Howden UK Brokers Limited, 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
SC317107
Company status
Active
Company type
Private limited company
Incorporated
22 February 2007 (19 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Management of real estate on a fee or contract basis (SIC 68320)

Directors and company secretaries

Name Role Born Appointed Other companies
Kenneth Bell Director Nov 1979 25 Nov 2021 None
Natalie Bell Secretary Not published 1 Mar 2023 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£562k

+28% from £438k

Cash at bank

£205k

−17% from £248k

Employees (average)

13

+18% from 11

Owed within a year

£223k

−16% from £266k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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.

Accounts filed at Companies House for company SC317107. 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

1Let’s history from the FCA register and Companies House, newest first.

Key events (8) All events (17)

2024

6 November 2024

  • Changed its registered name from "1Let Ltd"

FCA register

2021

17 December 2021

  • Bell Investment Group took control (75–100% of shares)
  • Ewan Laing McLean-Foreman no longer holds 50–75% of the votes
  • Fiona Mary McLean-Foreman stopped being a part-owner

Companies House

2016

21 June 2016

  • Ewan Laing McLean-Foreman gained 50–75% of the votes
  • Fiona Mary McLean-Foreman became a part-owner (25–50% of shares)

Companies House

2010

11 February 2010

  • Became an appointed representative

FCA register

2007

22 February 2007

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (8 shown here)
  • Every director appointment and resignation: 9
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Firms like 1Let

Other firms of the same type (insurance broker), nearest first.

In Edinburgh

Skyscanner LtdEdinburghAppointed representativeArnold Clark Insurance Services LimitedEdinburghAppointed representativeDun Eideann Property LimitedEdinburghAppointed representativeAdvantage Home Finance LtdEdinburghAppointed representativeCharles White LtdEdinburghAppointed representativeCommercial Risk Services LtdEdinburghAppointed 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 1Let

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
  • 3 background checks on its contact details, 1 flagged
  • 5 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is 1Let Limited FCA authorised?
1Let Limited (FRN 517773) 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 1Let?
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. 1Let Limited (FRN 517773) is an AR of Howden UK Brokers Limited (FRN 307663). When you use 1Let's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from 1Let, 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 1Let’s phone number and website?
The FCA register lists the phone number 0131 476 5500 and the website 1let.co.uk for 1Let. If you were given different contact details, use these to check with the firm before going any further.
Is 1Let a scam or clone?
1Let 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 1Let?
Protection works through Howden UK Brokers Limited, the principal firm responsible for 1Let's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns 1Let?
1Let is owned by Bell Investment Group, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 17 December 2021. Before that, it was controlled by Mr Ewan Laing McLean-Foreman and Mrs Fiona Mary McLean-Foreman.
Who runs 1Let?
Companies House lists one director of 1Let: Kenneth Bell.
How long has 1Let been in business?
The company was formed on 22 February 2007.
What do 1Let’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £562k (+28% from £438k) and cash at bank of £205k (−17% from £248k).
Does 1Let use any other names?
It has previously used the name 1Let Ltd.

Sources and links

The full report on 1Let Limited

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