A1 Financial Solutions Ltd

Reference number: 647921

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

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

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

  • When a1-financial.com first appeared online, and whether it can receive email
  • What kind of line 0131 347 8855 is
  • Who else gives the postcode EH2 3DX
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Other names (1)

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

  • Simply Mortgage Trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising 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

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.

Customer compensation schemes

The FCA has ordered this firm to review past sales and pay back customers who lost out.

  • March 2015 The firm is required to abide by the Deed Poll and Declaration in relation to the past business of the firm or by the past business of A1 Financial Solutions for which the firm has accepted responsibility as regulated…
The FCA's wording
  • The firm must abide by the deed poll
    The firm is required to abide by the Deed Poll and Declaration in relation to the past business of the firm or by the past business of A1 Financial Solutions for which the firm has accepted responsibility as regulated activities and investment business carried on by the firm

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
SC270607
Company status
Active
Company type
Private limited company
Incorporated
13 July 2004 (22 years old)
Registered office
103 Rose Street North Lane, Edinburgh, EH2 3DX, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Alistair Andrew Roberts Imrie Director Sep 1964 13 Jul 2004 5 other companies
Paul Martin Waldron Director Dec 1968 13 Jul 2004 4 other companies
Paul Martin Waldron Secretary Not published 13 Jul 2004 4 other companies

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
7
closed down
7
run together
2

In the full report: all 7 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 companies these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£623

−90% from £6,217

Employees (average)

2

Same as 2

Owed within a year

£263k

<1% from £262k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC270607. 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

A1 Financial Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (12)

2018

15 November 2018

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2015

2 March 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (The firm must abide by the deed poll)
  • Became authorised by the FCA

FCA register

2004

13 July 2004

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like A1 Financial Solutions

Other firms of the same type (financial adviser), nearest first.

In Edinburgh

4ways Financial Solutions LLPEdinburghAuthorised56 Wealth Management LimitedEdinburghAuthorisedAlpha Wealth LimitedEdinburghAuthorisedAlva Wealth LimitedEdinburghAuthorisedAspire Wealth Management LimitedEdinburghAuthorisedBridge Investments Partners LimitedEdinburghAuthorised

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 A1 Financial Solutions

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is A1 Financial Solutions Ltd FCA authorised?
Yes, A1 Financial Solutions Ltd (FRN 647921) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2015 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is A1 Financial Solutions’ phone number and website?
The FCA register lists the phone number 0131 347 8855 and the website a1-financial.com for A1 Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is A1 Financial Solutions a scam or clone?
Scammers have impersonated A1 Financial Solutions: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for A1 Financial Solutions, shown on this page.
Is my money safe with A1 Financial Solutions?
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 A1 Financial Solutions to the Financial Ombudsman Service, free of charge.
Who runs A1 Financial Solutions?
Companies House lists 2 directors of A1 Financial Solutions: Alistair Andrew Roberts Imrie and Paul Martin Waldron.
How long has A1 Financial Solutions been in business?
The company was formed on 13 July 2004, and has held its current FCA authorisation since March 2015.
What do A1 Financial Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £623 (−90% from £6,217).
Does A1 Financial Solutions use any other names?
It trades as Simply Mortgage.

Sources and links

The full report on A1 Financial Solutions Ltd

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