best4finance Limited

Reference number: 839319

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • best4finance Limited (FRN 839319) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use best4finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from best4finance, 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.

  • No website on the FCA register

  • Phone number

    0115 671 7222

  • Address

    Poplars Farm Barn, Chapel Lane, Scarrington, Nottingham, NG13 9BX, United Kingdom

In the full report: 2 background checks

  • What kind of line 0115 671 7222 is
  • Who else gives the postcode NG13 9BX
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Other names (1)

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

  • best4finance Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
11835116
Company status
Active
Company type
Private limited company
Incorporated
19 February 2019 (7 years old)
Registered office
32 Quorn Close, Loughborough, LE11 2AW, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Debbie Lisa Whitt Director Apr 1972 19 Feb 2019 3 other companies

Other companies run by its director

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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£7,982

+124% from £3,567

Cash at bank

£1,235

−91% from £13.4k

Employees (average)

1

Same as 1

Owed within a year

−£6,631

−307% from £3,196

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
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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11835116. 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

Best4finance’s history from the FCA register and Companies House, newest first.

2025

24 March 2025

  • Changed its registered name from "best4finance Ltd"

FCA register

2019

2 April 2019

  • Became an appointed representative

FCA register

19 February 2019

  • Incorporated at Companies House
  • Debbie Lisa Whitt took control (75–100% of shares)
  • Debbie Lisa Whitt appointed as a director

Companies House

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

Firms like best4finance

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

In Nottingham

Andrew Brian RobinsonNottinghamAppointed representativeBlue Peak Finance LimitedNottinghamAppointed representativeBZS Mortgages LtdNottinghamAppointed representativeCapexpand LtdNottinghamAppointed representativeCasa UK Mortgages LtdNottinghamAppointed representativeCloud Bridging And Commercial LimitedNottinghamAppointed representative

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 best4finance

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is best4finance Limited FCA authorised?
best4finance Limited (FRN 839319) 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 best4finance?
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. best4finance Limited (FRN 839319) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use best4finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from best4finance, 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 best4finance’s phone number?
The FCA register lists the phone number 0115 671 7222 for best4finance. If you were given different contact details, use these to check with the firm before going any further.
Is best4finance a scam or clone?
best4finance 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 best4finance?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for best4finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns best4finance?
Companies House lists one person with significant control of best4finance: Mrs Debbie Lisa Whitt (75–100% of shares).
Who runs best4finance?
Companies House lists one director of best4finance: Debbie Lisa Whitt.
How long has best4finance been in business?
The company was formed on 19 February 2019.
What do best4finance’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £7,982 (+124% from £3,567) and cash at bank of £1,235 (−91% from £13.4k).
Does best4finance use any other names?
It has previously used the name best4finance Ltd.

Sources and links

The full report on best4finance Limited

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