Andrew Smith

Reference number: 194174

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Appointed representative

Andrew Smith does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

First Complete Limited Reference number: 435779 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.
  • Andrew Smith (FRN 194174) is an AR of First Complete Limited (FRN 435779). When you use Andrew Smith's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Andrew Smith, 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

  • When insightkent.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8466 6550 is
  • Who else gives the postcode BR2 8GP
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Other names (4)

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

  • Insight Financial (Kent) Trading name
  • Solar Financial Consultancy Former name
  • Solar Financial Solutions Former name
  • Solar Mortgage Consultancy Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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.

Key dates in its history

Andrew Smith’s history from the FCA register and Companies House, newest first.

2023

5 October 2023

  • Changed its registered name from "Insight Financial (Kent)"
  • Began trading as "Insight Financial (Kent)"

FCA register

2012

8 May 2012

  • Changed its registered name from "Solar Financial Solutions"

FCA register

2009

6 January 2009

  • Changed its registered name from "Solar Mortgage Consultancy"

FCA register

2005

11 March 2005

  • Changed its registered name from "Solar Financial Consultancy"

FCA register

2000

20 September 2000

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Andrew Smith

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Andrew Smith

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

In Bromley

Bray Financial LtdBromleyAppointed representativeHTFS LimitedBromleyAppointed representativeKieran NoonanBromleyAppointed representativeMortgage Info LimitedBromleyAppointed representativeSRK Mortgage Solutions LimitedBromleyAppointed representativeEasychoice Finance LimitedBromleyAuthorised

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 Andrew Smith

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

  • 3 background checks on its contact details
  • All 6 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Andrew Smith FCA authorised?
Andrew Smith (FRN 194174) 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 Andrew Smith?
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. Andrew Smith (FRN 194174) is an AR of First Complete Limited (FRN 435779). When you use Andrew Smith's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andrew Smith, 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 Andrew Smith’s phone number and website?
The FCA register lists the phone number 020 8466 6550 and the website insightkent.co.uk for Andrew Smith. If you were given different contact details, use these to check with the firm before going any further.
Is Andrew Smith a scam or clone?
Andrew Smith 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 Andrew Smith?
Protection works through First Complete Limited, the principal firm responsible for Andrew Smith's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Andrew Smith use any other names?
It trades as Insight Financial (Kent). It has previously used 3 other names: Solar Financial Consultancy, Solar Financial Solutions and Solar Mortgage Consultancy.

Sources and links

The full report on Andrew Smith

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