Believe Advisor Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 6 years
Your funds are protected by FSCS
No FCA actions
Active company since 2019
Accounts filed up to 31 December 2024
On its latest accounts it owed £32.4k more than it owned

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

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

01302 590850
Address

Believe Money Group, Heavens Walk, Doncaster, DN4 5HZ, United Kingdom

In the full report: 3 background checks

When believemoney.com first appeared online, and whether it can receive email
What kind of line 01302 590850 is, and the 2 other firms that give it
Who else gives the postcode DN4 5HZ

Other names (1)

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

Believe Loans Former trading name: A name it used to trade under.

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.
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 (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Providing Credit Information Services

Limits on what they may do

Not permitted to canvass off trade premises

The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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: 11842506 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 February 2019 (7 years old)
Registered office: 1st Floor Barclays Bank, Heavens Walk, Doncaster, DN4 5HZ, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ryan Oliver Wagstaff	Director	Jan 1984	22 Feb 2019	9 other companies
Ian William Johnson	Director	May 1978	25 Jan 2022	13 other companies
Jeremy Paul Gibson	Director	May 1973	18 Sep 2025	87 other companies
Mayank Prakash	Director	Jan 1973	18 Sep 2025	57 other companies

Other companies run by these 4 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: 99
closed down: 21
went insolvent: 1

In the full report: all 99 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
The one that went into liquidation or administration
The 37 on the FCA register, including one no longer authorised
The 55 companies these 4 directors run together

Filed accounts and finances

Year to 31 December 2024Small company accountsAudited

Net assets

−£32.4k

Down £28.7k from −£3,742

Cash at bank

£44.9k

+213% from £14.3k

Employees (average)

0

Same as 0

Owed within a year

£1.85m

+134% from £789k

Net assets are negative: on its last balance sheet the company owed £32.4k more than it owned.

Net assets

In the full report: all 5 years of accounts

Every year from 2020 to 2024
The chart, over every year
Every filed figure, year by year

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 11842506. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Believe Advisor’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2022

1 February 2022

Believe Money Group Limited took control (75–100% of shares)
Ryan Oliver Wagstaff gave up control

Companies House

2020

11 March 2020

Regulated by the FCA from this date
FCA imposed a requirement (Not permitted to canvass off trade premises)
Became authorised by the FCA

FCA register

2019

22 February 2019

Incorporated at Companies House
Ryan Oliver Wagstaff took control (75–100% of shares)

Companies House

In the full report: all 14 events

All 14 events in its history (7 shown here)
Every director appointment and resignation: 4

Firms connected to Believe Advisor

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

connected firms: 5
share a director: 4
share its phone number: 2

In the full report: all 5 connected firms, named

How each is linked: shared directors (4), the same phone number (2), the same postcode (3)
Who links each one: the named directors, with dates

Firms like Believe Advisor

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

In Doncaster

Albion Financial Advice Services LtdDoncasterAuthorised Aspire Lending Solutions LimitedDoncasterAuthorised Avalon FS LtdDoncasterAuthorised Commercialandbridging LimitedDoncasterAuthorised Dragonfly Financial Services LimitedDoncasterAuthorised Mortgages Re-Mortgages LimitedDoncasterAuthorised

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 Believe Advisor

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

99 other companies its directors have run, named
3 background checks on its contact details
5 years of accounts, charted
All 14 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Believe Advisor Limited FCA authorised?

Yes, Believe Advisor Limited (FRN 841395) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2020 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.

What is Believe Advisor’s phone number and website?

The FCA register lists the phone number 01302 590850 and the website believemoney.com for Believe Advisor. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.

Is Believe Advisor a scam or clone?

Believe Advisor 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 Believe Advisor?

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 Believe Advisor to the Financial Ombudsman Service, free of charge.

Who owns Believe Advisor?

Believe Advisor is owned by Believe Money Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2022. Before that, it was controlled by Mr Ryan Oliver Wagstaff.

Who runs Believe Advisor?

Companies House lists 4 directors of Believe Advisor: Ryan Oliver Wagstaff, Ian William Johnson, Jeremy Paul Gibson and Mayank Prakash.

How long has Believe Advisor been in business?

The company was formed on 22 February 2019, and has held its current FCA authorisation since March 2020.

What do Believe Advisor’s latest accounts show?

Its latest accounts, to 31 December 2024, show net assets of −£32.4k (down £28.7k from −£3,742) and cash at bank of £44.9k (+213% from £14.3k).

Does Believe Advisor use any other names?

It has previously used the name Believe Loans.