Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 September 2025
- On its latest accounts it owed £17.0k more than it owned
Responsible principal firm
Connect IFA Ltd Reference number: 441505 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.
- BAY TREE FINANCE LTD (FRN 1019988) is an AR of Connect IFA Ltd (FRN 441505). When you use BAY TREE FINANCE's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from BAY TREE FINANCE, 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.
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No website on the FCA register
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Phone number
-
Address
320 Firecrest Court, Centre Park, Warrington, Warrington, WA1 1RG, United Kingdom
In the full report: 2 background checks
- What kind of line 0131 210 0233 is
- Who else gives the postcode WA1 1RG
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Connect IFA Ltd, 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, freeYou 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
- 15975183 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 September 2024 (2 years old)
- Registered office
- 320 Firecrest Court, Warrington, WA1 1RG, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Martin Lunn | Director | Oct 1987 | 24 Sep 2024 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
−£17.0k
No earlier figure to compare
Cash at bank
£1,125
No earlier figure to compare
Employees (average)
1
No earlier figure to compare
Owed within a year
£18.1k
No earlier figure to compare
Net assets are negative: on its last balance sheet the company owed £17.0k more than it owned.
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 15975183. 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
Bay Tree Finance’s history from the FCA register and Companies House, newest first.
2024
23 October 2024
- Became an appointed representative
FCA register
24 September 2024
- Incorporated at Companies House
- Martin Lunn took control (75–100% of shares)
- Martin Lunn appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Bay Tree Finance
Other FCA-listed firms that share a director, phone number or address with Bay Tree Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Bay Tree Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Warrington
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 Bay Tree Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 4 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs Bay Tree Finance?
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What do Bay Tree Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk