Afford Bond Holdings Limited

Reference number: 979769

Instant download

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

SME HCI Limited Reference number: 626422 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Afford Bond Holdings Limited (FRN 979769) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Afford Bond Holdings.
  • Example: if Afford Bond Holdings refers you to a financial adviser, the advice should come from the principal firm, not from Afford Bond Holdings itself.
  • 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

  • When affordbond.com first appeared online, and whether it can receive email
  • What kind of line 01270 623731 is
  • Who else gives the postcode CW5 7ED
Instant PDF download
Other names (1)

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

  • Afford Bond Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through SME HCI 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
08508692
Company status
Active
Company type
Private limited company
Incorporated
29 April 2013 (13 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Accounting and auditing activities (SIC 69201)

Directors and company secretaries

Name Role Born Appointed Other companies
Peter Anthony O'Malley Director Dec 1971 29 Apr 2013 12 other companies
Christopher Robert Monks Director May 1978 1 Jan 2015 4 other companies
Paul Edwards Director Jul 1978 1 Jan 2015 9 other companies
Lindsay Wilfred Beeston Director Nov 1965 1 Apr 2016 2 other companies
Christopher Paul Regnauld Director Sep 1981 19 Jan 2022 1 other company
Benjamin Edwards Director Dec 1988 19 Jan 2022 1 other company
Thomas Mark Hornbuckle Director Mar 1985 19 Jan 2022 2 other companies
Kevin Timothy David Lwin Director Jul 1972 1 Jul 2022 4 other companies
Allan Ian Wilson Director Dec 1972 31 Jan 2026 32 other companies
Adam Robert Wardle Director May 1970 31 Jan 2026 32 other companies
Christopher David Annis Director Jun 1977 31 Jul 2026 48 other companies
Robert John Harden Director Nov 1971 31 Jul 2026 30 other companies

Other companies run by these 12 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
70
closed down
15
is FCA-registered
1

In the full report: all 70 companies, named

  • What each company does, and whether it is still trading
  • Which of these 12 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 35 companies these 12 directors run together
  • All 18 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£1.55m

−2.1% from £1.58m

Cash at bank

£974

−98% from £55.7k

Owed within a year

£1.08m

+8.3% from £1000k

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
Instant PDF download
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 08508692. 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

Afford Bond Holdings’s history from the FCA register and Companies House, newest first.

Key events (11) All events (36)

2022

26 July 2022

  • Became an introducer appointed representative

FCA register

2021

15 December 2021

  • Afford Bond Group Holdings Limited took control (75–100% of shares)
  • Afford Bond Group Limited gave up control

Companies House

2019

3 December 2019

  • Afford Bond Group Limited took control (75–100% of shares)
  • Gary Greer stopped being a part-owner
  • Peter Anthony O'Malley stopped being a part-owner

Companies House

2018

4 September 2018

  • Jonathan Gregory Curwen stopped being a part-owner

Companies House

2016

6 April 2016

  • Gary Greer became a part-owner (25–50% of shares)
  • Jonathan Gregory Curwen became a part-owner (25–50% of shares)
  • Peter Anthony O'Malley became a part-owner (25–50% of shares)

Companies House

2013

29 April 2013

  • Incorporated at Companies House

Companies House

In the full report: all 36 events

  • All 36 events in its history (11 shown here)
  • Every director appointment and resignation: 24
Instant PDF download

Firms connected to Afford Bond Holdings

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
Instant PDF download

Get the full report on Afford Bond Holdings

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

  • 70 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 36 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Afford Bond Holdings Limited FCA authorised?
Afford Bond Holdings Limited (FRN 979769) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Afford Bond Holdings?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Afford Bond Holdings Limited (FRN 979769) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not Afford Bond Holdings. Example: if Afford Bond Holdings refers you to a financial adviser, the advice should come from the principal firm, not from Afford Bond Holdings itself. 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 Afford Bond Holdings’ phone number and website?
The FCA register lists the phone number 01270 623731 and the website affordbond.com for Afford Bond Holdings. If you were given different contact details, use these to check with the firm before going any further.
Is Afford Bond Holdings a scam or clone?
Afford Bond Holdings 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 Afford Bond Holdings?
Protection works through SME HCI Limited, the principal firm responsible for Afford Bond Holdings's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Afford Bond Holdings?
Afford Bond Holdings is owned by Afford Bond Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 15 December 2021. Before that, it was controlled by Mr Jonathan Gregory Curwen, Mr Gary Greer and Mr Peter Anthony O'Malley.
Who runs Afford Bond Holdings?
Companies House lists 12 directors of Afford Bond Holdings: Peter Anthony O'Malley, Christopher Robert Monks, Paul Edwards, Lindsay Wilfred Beeston, Christopher Paul Regnauld, Benjamin Edwards and 6 more.
How long has Afford Bond Holdings been in business?
The company was formed on 29 April 2013.
What do Afford Bond Holdings’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.55m (−2.1% from £1.58m) and cash at bank of £974 (−98% from £55.7k).
Does Afford Bond Holdings use any other names?
It trades as Afford Bond.

Sources and links

The full report on Afford Bond Holdings Limited

£19.99 · Instant PDF download

Loading secure checkout…