Admiral Financial Services Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2016
54 Ombudsman complaints in January–June 2025

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.

Website

admiral.com (opens in a new tab)
Phone number

0333 234 6007
Address

Ty Admiral, David Street, Cardiff, CF10 2EH, United Kingdom

In the full report: 3 background checks

When admiral.com first appeared online, and whether it can receive email
What kind of line 0333 234 6007 is
Who else gives the postcode CF10 2EH

Other names (8)

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

Admiral Car Finance Trading name: A name it trades under now.
Admiral Homeowner Loans Trading name: A name it trades under now.
Admiral Loans Trading name: A name it trades under now.
Admiral Money Trading name: A name it trades under now.
Admiral Mortgages Trading name: A name it trades under now.
Admiral One Trading name: A name it trades under now.
Finble Trading name: A name it trades under now.
Admiral Financial Services Ltd Former name: A name it was registered under before.

FCA permissions and consumer protection

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 (5 permissions)

Administering a regulated mortgage contract
Credit Broking
Entering into a regulated mortgage contract as lender
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 54
upheld, against a 31% median: 32%
about banking and credit: 53

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number: 10255225 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 28 June 2016 (10 years old)
Registered office: Ty Admiral, David Street, Cardiff, CF10 2EH, United Kingdom
Nature of business: Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Scott William Cargill	Director	Jan 1981	28 Jun 2016	5 other companies
Michael Charles Brierley	Director	Dec 1958	21 Sep 2018	14 other companies
Daniel Owen Cobley	Director	Jun 1967	21 May 2020	27 other companies
Simon James Gulliford	Director	Jun 1958	16 Jul 2020	31 other companies
Craig Francis Donaldson	Director	Dec 1971	13 May 2024	16 other companies
Clodagh Gunnigle	Director	Aug 1974	13 May 2024	None
Emma Jane Powell	Director	Sep 1977	21 Mar 2025	2 other companies
Rachel Victoria Lewis	Director	Nov 1979	1 Jul 2026	5 other companies
Robert Antonio Mazzeo	Director	Apr 1988	1 Jul 2026	None
Jarlath Wade	Secretary	Not published	29 Sep 2022	–

Other companies run by these 9 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: 89
closed down: 27
went insolvent: 3

In the full report: all 89 companies, named

What each company does, and whether it is still trading
Which of these 9 directors sit on each board, and since when
The 3 that went into liquidation or administration
The 15 on the FCA register
The 11 companies these 9 directors run together
All 16 people who have ever been directors, with their dates

Key dates in its history

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

Key events (5) All events (37)

2023

21 June 2023

Changed its registered name from "Admiral Financial Services Ltd"

FCA register

2017

5 October 2017

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2016

28 June 2016

Incorporated at Companies House
Admiral Group PLC took control (75–100% of shares)

Companies House

In the full report: all 37 events

All 37 events in its history (5 shown here)
Every director appointment and resignation: 23

Firms connected to Admiral Financial Services

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

connected firms: 4
share a director: 3
share its postcode: 2

In the full report: all 4 connected firms, named

How each is linked: shared directors (3), the same postcode (2)
Who links each one: the named directors, with dates
7 past links through former directors

Firms like Admiral Financial Services

Other firms of the same type (mortgage lender), nearest first.

In Cardiff

Elderbridge LimitedCardiffAuthorised Pepper Money LimitedCardiffAuthorised UK Mortgage Lending LtdCardiffAuthorised Interbridge Mortgages LimitedCardiffAuthorised Target Servicing LimitedCardiffAuthorised

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 Admiral Financial Services

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

89 other companies its directors have run, named
3 background checks on its contact details
All 37 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Admiral Financial Services Limited FCA authorised?

Yes, Admiral Financial Services Limited (FRN 771862) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2017 and works as a mortgage lender. The FCA has placed no limits on its permissions.

What is Admiral Financial Services’ phone number and website?

The FCA register lists the phone number 0333 234 6007 and the website admiral.com for Admiral Financial Services. If you were given different contact details, use these to check with the firm before going any further.

Is Admiral Financial Services a scam or clone?

Admiral 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 Admiral 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 Admiral Financial Services to the Financial Ombudsman Service, free of charge.

Who owns Admiral Financial Services?

Admiral Financial Services is owned by Admiral Group PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 28 June 2016.

Who runs Admiral Financial Services?

Companies House lists 9 directors of Admiral Financial Services: Scott William Cargill, Michael Charles Brierley, Daniel Owen Cobley, Simon James Gulliford, Craig Francis Donaldson, Clodagh Gunnigle and 3 more.

How long has Admiral Financial Services been in business?

The company was formed on 28 June 2016, and has held its current FCA authorisation since October 2017.

How many complaints does Admiral Financial Services get?

In January–June 2025, the Financial Ombudsman Service received 54 new complaints about Admiral Financial Services, and upheld 32% of those it decided.

Does Admiral Financial Services use any other names?

It trades as Admiral Car Finance, Admiral Homeowner Loans, Admiral Loans, Admiral Money and Admiral Mortgages, and 2 more names. It has previously used the name Admiral Financial Services Ltd.