Access Financial Services Limited

Reference number: 301173

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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 accessfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 999 3939 is
  • Who else gives the postcode MK19 6AN
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Other names (42)

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

  • ALI M PROPERTY FINANCE Trading name
  • Arigal Consulting Trading name
  • Fermanagh Mortgages Trading name
  • Findfinancialadvice Trading name
  • Mortgages With Melissa Trading name
  • mrk financial services Trading name
  • Richard James Partnership Trading name
  • SNS Mortgages & Financial Services Trading name
  • The Mortgage Geezer Trading name
  • Thomas Wall Trading name
  • Twoja Polisa Trading name
  • Vantage Group Trading name
  • WayBetterFinance Trading name
  • Zephyr Financial Services Trading name
  • Richard James Partnership LTD Former name
  • Tailored Mortgages Limited Former name
  • Absolutely Sports Former trading name
  • Access Advisory Services Former trading name
  • AFS Head Office Former trading name
  • Aligned Financial Planning Former trading name
  • Beat Finance Former trading name
  • Better Steps FS Former trading name
  • Broker Advice Former trading name
  • Equity Release Advice Former trading name
  • Equity Release Enquiry Former trading name
  • Extend Finance Former trading name
  • Finer Credit Former trading name
  • letsmovemortgages Former trading name
  • Lifeez.co.uk Former trading name
  • LSG Mortgages Former trading name
  • Masutes Group Former trading name
  • ProtectMyWellbeing Former trading name
  • Reades Financial Services Former trading name
  • Robin Partnership Former trading name
  • Smart Advice Financial Services Former trading name
  • Smart General Insurance Services Former trading name
  • Solutions in retirement Former trading name
  • Spynet Finance Former trading name
  • Tailored Mortgages Former trading name
  • TF Mortgage Solutions Former trading name
  • The Homes Genie Former trading name
  • your pocket matters Former trading name

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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release 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 (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
04427489
Company status
Active
Company type
Private limited company
Incorporated
30 April 2002 (24 years old)
Registered office
Unit 1 Furtho Court Towcester Road, Old Stratford, Milton Keynes, MK19 6AN, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Karl Thomas Wilkinson Director Aug 1973 20 Feb 2017 25 other companies

Other companies run by its director

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
25
closed down
13
are FCA-registered
2

In the full report: all 25 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£140k

−59% from £344k

Cash at bank

£926k

−26% from £1.25m

Employees (average)

21

−8.7% from 23

Owed within a year

£424k

+25% from £339k

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 04427489. 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

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

Key events (7) All events (90)

2018

13 February 2018

  • Changed its registered name from "Richard James Partnership LTD"

FCA register

2017

17 May 2017

  • Changed its registered name from "Tailored Mortgages Limited"

FCA register · Companies House

21 February 2017

  • Karl Thomas Wilkinson took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

30 April 2002

  • Incorporated at Companies House

Companies House

In the full report: all 90 events

  • All 90 events in its history (7 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Access Financial Services

Other FCA-listed firms that share a director, phone number or address with Access Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
2
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Access Financial Services

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

In Milton Keynes

Connells Group Principal Services LimitedMilton KeynesAuthorisedConnells LimitedMilton KeynesAuthorisedCountrywide Money LimitedMilton KeynesAuthorisedEthics Finance LtdMilton KeynesAuthorisedHomekey Mortgage Solutions LtdMilton KeynesAuthorisedOne Stop 4 Equity Release LimitedMilton KeynesAuthorised

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 Access Financial Services

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

  • 25 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 90 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Access Financial Services Limited FCA authorised?
Yes, Access Financial Services Limited (FRN 301173) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Access Financial Services’ phone number and website?
The FCA register lists the phone number 0800 999 3939 and the website accessfs.co.uk for Access Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Access Financial Services a scam or clone?
Access 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 Access 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 Access Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Access Financial Services?
Companies House lists one person with significant control of Access Financial Services: Mr Karl Thomas Wilkinson (75–100% of shares).
Who runs Access Financial Services?
Companies House lists one director of Access Financial Services: Karl Thomas Wilkinson.
How long has Access Financial Services been in business?
The company was formed on 30 April 2002, and has held its current FCA authorisation since October 2004.
What do Access Financial Services’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £140k (−59% from £344k) and cash at bank of £926k (−26% from £1.25m).
Does Access Financial Services use any other names?
It trades as ALI M PROPERTY FINANCE, Arigal Consulting, Fermanagh Mortgages, Findfinancialadvice and Mortgages With Melissa, and 9 more names. It has previously used 28 other names, including Richard James Partnership LTD, Tailored Mortgages Limited and Absolutely Sports.

Sources and links

The full report on Access Financial Services Limited

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