Bondsmore Financial Services Ltd

Reference number: 1005404

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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

White Rose Finance Group Limited Reference number: 630772 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.
  • Bondsmore Financial Services Ltd (FRN 1005404) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Bondsmore Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bondsmore Financial Services, 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

    01582 342899

  • Address

    110 Great Marlings, Butterfield, Luton, Luton, LU2 8DL, United Kingdom

In the full report: 2 background checks

  • What kind of line 01582 342899 is
  • Who else gives the postcode LU2 8DL
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Other names (1)

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

  • Bondsmore FS Trading name

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 number
15202173
Company status
Active
Company type
Private limited company
Incorporated
10 October 2023 (3 years old)
Registered office
Innovation Centre 110 Great Marlings, Butterfield, Luton, LU2 8DL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Raffaele Graci Director Dec 2001 10 Oct 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£6,418

Up £8,268 from −£1,850

Cash at bank

£6,035

Up £6,034 from £1

Employees (average)

1

Same as 1

Owed within a year

£1,807

−26% from £2,451

Assets and liabilities

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 15202173. 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

Bondsmore Financial Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (6)

2023

15 November 2023

  • Became an appointed representative

FCA register

10 October 2023

  • Incorporated at Companies House
  • Raffaele Graci took control (75–100% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like Bondsmore Financial Services

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

In Luton

Graeme BradleyLutonAppointed representativeJayko Mortgage Services LimitedLutonAppointed representativeJust UK Mortgages LtdLutonAppointed representativeNicola OsborneLutonAppointed representativeOpes Finance Consulting LtdLutonAppointed representativeTown & Country Mortgage Services LtdLutonAppointed 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 Bondsmore Financial Services

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 6 events in its history

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Frequently asked questions about this firm

Is Bondsmore Financial Services Ltd FCA authorised?
Bondsmore Financial Services Ltd (FRN 1005404) 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 Bondsmore Financial Services?
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. Bondsmore Financial Services Ltd (FRN 1005404) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Bondsmore Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bondsmore Financial Services, 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 Bondsmore Financial Services’ phone number?
The FCA register lists the phone number 01582 342899 for Bondsmore Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Bondsmore Financial Services a scam or clone?
Bondsmore Financial Services 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 Bondsmore Financial Services?
Protection works through White Rose Finance Group Limited, the principal firm responsible for Bondsmore Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Bondsmore Financial Services?
Companies House lists one person with significant control of Bondsmore Financial Services: Mr Raffaele Graci (75–100% of shares).
Who runs Bondsmore Financial Services?
Companies House lists one director of Bondsmore Financial Services: Raffaele Graci.
How long has Bondsmore Financial Services been in business?
The company was formed on 10 October 2023.
What do Bondsmore Financial Services’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £6,418 (up £8,268 from −£1,850) and cash at bank of £6,035 (up £6,034 from £1).
Does Bondsmore Financial Services use any other names?
It trades as Bondsmore FS.

Sources and links

The full report on Bondsmore Financial Services Ltd

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