Binnington Finance Limited

Reference number: 1041341

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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.

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.
  • Binnington Finance Limited (FRN 1041341) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Binnington Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Binnington 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.

In the full report: 3 background checks

  • When binnington.co.uk first appeared online, and whether it can receive email
  • What kind of line 07429 266377 is
  • Who else gives the postcode YO24 3BJ
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Other names (3)

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

  • Binnington Business Finance Trading name: A name it trades under now.
  • Binnington Commercial Finance Trading name: A name it trades under now.
  • BINNINGTON MORTGAGES LIMITED Former name: A name it was registered under before.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through White Rose Finance Group 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 status
Active
Company type
Private limited company
Incorporated
18 September 2024 (2 years old)
Registered office
2a Acomb Court Front Street, Acomb, York, YO24 3BJ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
George Binnington Director Jun 1997 18 Sep 2024 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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 30 September 2025Small company accountsNot audited

Total equity

£444

No earlier figure to compare

Cash at bank

£8,746

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£8,302

No earlier figure to compare

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 15964372. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2026

14 January 2026

  • Changed its registered name from "BINNINGTON MORTGAGES LIMITED"

FCA register

2025

12 September 2025

  • Became an appointed representative

FCA register

2024

18 September 2024

  • Incorporated at Companies House
  • George Binnington took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Binnington Finance

Other FCA-listed firms that share a director, phone number or address with Binnington Finance. 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 Binnington Finance

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

In York

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 Binnington Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • All 7 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Binnington Finance Limited FCA authorised?
Binnington Finance Limited (FRN 1041341) 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 Binnington Finance?
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. Binnington Finance Limited (FRN 1041341) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Binnington Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Binnington 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.
What is Binnington Finance’s phone number and website?
The FCA register lists the phone number 07429 266377 and the website binnington.co.uk for Binnington Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Binnington Finance a scam or clone?
Binnington Finance 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 Binnington Finance?
Protection works through White Rose Finance Group Limited, the principal firm responsible for Binnington Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Binnington Finance?
Companies House lists one person with significant control of Binnington Finance: Mr George Binnington (75–100% of shares).
Who runs Binnington Finance?
Companies House lists one director of Binnington Finance: George Binnington.
How long has Binnington Finance been in business?
The company was formed on 18 September 2024.
What do Binnington Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £444 (no earlier figure to compare) and cash at bank of £8,746 (no earlier figure to compare).
Does Binnington Finance use any other names?
It trades as Binnington Business Finance and Binnington Commercial Finance. It has previously used the name BINNINGTON MORTGAGES LIMITED.

Sources and links

The full report on Binnington Finance Limited

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