Bespoke Financial Yorkshire Ltd

Reference number: 628279

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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.

Responsible principal firm

Sesame Limited Reference number: 150427 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.
  • Bespoke Financial Yorkshire Ltd (FRN 628279) is an AR of Sesame Limited (FRN 150427). When you use Bespoke Financial Yorkshire's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bespoke Financial Yorkshire, 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 bespokefinancialwestyorkshire.co.uk first appeared online, and whether it can receive email
  • What kind of line 01484 717771 is
  • Who else gives the postcode HD6 1PP
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Other names (2)

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

  • Bespoke Financial (West Yorkshire) Ltd Former name
  • Bespoke Financial London Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
09101021
Company status
Active
Company type
Private limited company
Incorporated
24 June 2014 (12 years old)
Registered office
Suite 2.06b C4di @Thedock 31-38 Queen Street, Hull, East Riding Of Yorkshire, HU1 1UU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Oliver Matthew Lodge Director May 1986 24 Jun 2014 8 other companies
Rachael Amy Lodge Director May 1989 11 Aug 2015 8 other companies
Julie Lodge Director Jul 1959 20 Oct 2016 1 other company

Other companies run by these 3 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
8
closed down
3
run together
8

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 8 companies these 3 directors run together
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.33m

+6.4% from £1.25m

Cash at bank

£73.1k

−58% from £172k

Employees (average)

8

Same as 8

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 09101021. 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

Bespoke Financial Yorkshire’s history from the FCA register and Companies House, newest first.

Key events (10) All events (15)

2021

5 May 2021

  • Bespoke Financial Yorkshire Holdings Ltd took control (75–100% of shares)
  • Julie Lodge stopped being a part-owner
  • Oliver Matthew Lodge stopped being a part-owner
  • Rachael Amy Lodge stopped being a part-owner

Companies House

2018

5 July 2018

  • Julie Lodge became a part-owner (25–50% of shares)
  • Rachael Amy Lodge became a part-owner (25–50% of shares)

Companies House

2017

16 October 2017

  • Changed its registered name from "Bespoke Financial (West Yorkshire) Ltd"

FCA register

2016

6 April 2016

  • Oliver Matthew Lodge became a part-owner (25–50% of shares)

Companies House

2014

15 July 2014

  • Became an appointed representative

FCA register

24 June 2014

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (10 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Bespoke Financial Yorkshire

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Bespoke Financial Yorkshire

Other firms of the same type (insurance broker), nearest first.

In Brighouse

National Day Nurseries AssociationBrighouseAppointed representativeSteeples Financial Services LimitedBrighouseAppointed representativeTayler Made LtdBrighouseAppointed representativeThorntons Financial Services LimitedBrighouseAuthorised

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 Bespoke Financial Yorkshire

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Bespoke Financial Yorkshire Ltd FCA authorised?
Bespoke Financial Yorkshire Ltd (FRN 628279) 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 Bespoke Financial Yorkshire?
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. Bespoke Financial Yorkshire Ltd (FRN 628279) is an AR of Sesame Limited (FRN 150427). When you use Bespoke Financial Yorkshire's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bespoke Financial Yorkshire, 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 Bespoke Financial Yorkshire’s phone number and website?
The FCA register lists the phone number 01484 717771 and the website bespokefinancialwestyorkshire.co.uk for Bespoke Financial Yorkshire. If you were given different contact details, use these to check with the firm before going any further.
Is Bespoke Financial Yorkshire a scam or clone?
Bespoke Financial Yorkshire 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 Bespoke Financial Yorkshire?
Protection works through Sesame Limited, the principal firm responsible for Bespoke Financial Yorkshire's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bespoke Financial Yorkshire?
Bespoke Financial Yorkshire is owned by Bespoke Financial Yorkshire Holdings Ltd, which holds 75–100% of shares, since 5 May 2021. Before that, it was controlled by Mrs Rachael Amy Lodge, Ms Julie Lodge and Mr Oliver Matthew Lodge.
Who runs Bespoke Financial Yorkshire?
Companies House lists 3 directors of Bespoke Financial Yorkshire: Oliver Matthew Lodge, Rachael Amy Lodge and Julie Lodge.
How long has Bespoke Financial Yorkshire been in business?
The company was formed on 24 June 2014.
What do Bespoke Financial Yorkshire’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £1.33m (+6.4% from £1.25m) and cash at bank of £73.1k (−58% from £172k).
Does Bespoke Financial Yorkshire use any other names?
It has previously used 2 other names: Bespoke Financial (West Yorkshire) Ltd and Bespoke Financial London Mortgages.

Sources and links

The full report on Bespoke Financial Yorkshire Ltd

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