Bower Retirement Limited

Reference number: 451607

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Authorised by the FCA

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

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, 1 thing worth a closer look

  • When bowerhomefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3817 6050 is
  • Who else gives the postcode CM5 0GA
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Other names (17)

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

  • Bower Trading name
  • Bower Equity Release Trading name
  • Bower Group Trading name
  • Bower Home Finance Trading name
  • Bower Mortgages Trading name
  • Bower Partnerships Trading name
  • Bower Private Clients Trading name
  • Bower Wealth Trading name
  • Bower Mortgage Company Ltd Former name
  • Bower Retirement Services Ltd Former name
  • BMC Former trading name
  • Bower Advice Former trading name
  • Bower Finance Former trading name
  • Bower Mortgage Former trading name
  • Bower Mortgage Company Former trading name
  • Bower Retirement Services Former trading name
  • BRS Former trading name

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 · Arrange equity release 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 (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
05788110
Company status
Active
Company type
Private limited company
Incorporated
20 April 2006 (20 years old)
Registered office
Ongar Business Centre The Gables, Fyfield Road, Ongar, CM5 0GA, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Geoffrey Sean Charles Director May 1970 20 Apr 2006 11 other companies
Mark Anthony Draffan Director Mar 1965 1 Oct 2022 None

Other companies run by these 2 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
11
closed down
6
still active
5

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£437k

+44% from £304k

Cash at bank

£336k

+376% from £70.5k

Employees (average)

27

Same as 27

Owed within a year

£205k

+51% from £136k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • 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 05788110. 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

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

Key events (9) All events (38)

2024

20 June 2024

  • Bower Group Limited took control (75–100% of shares)
  • Geoffrey Sean Charles gave up control

Companies House

2016

2 September 2016

  • Changed its registered name from "Bower Retirement Services Ltd"

FCA register

6 April 2016

  • Geoffrey Sean Charles took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

1 April 2012

  • Changed its registered name from "Bower Mortgage Company Ltd"

FCA register

2006

6 July 2006

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

20 April 2006

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Bower Retirement

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Bower Retirement

Other firms of the same type (financial adviser), nearest first.

In Essex

Lexden Wealth Management LimitedEssexAuthorisedR.J. Hurst & Partners LimitedEssexAuthorisedRobert Milne Financial Advisers LimitedEssexAuthorisedThe Ron Edwards PracticeEssexAppointed representativeKalkine LimitedEssexAuthorised

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 Bower Retirement

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

  • 11 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 38 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bower Retirement Limited FCA authorised?
Yes, Bower Retirement Limited (FRN 451607) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2006 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Bower Retirement’s phone number and website?
The FCA register lists the phone number 020 3817 6050 and the website bowerhomefinance.co.uk for Bower Retirement. If you were given different contact details, use these to check with the firm before going any further.
Is Bower Retirement a scam or clone?
Bower Retirement 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 Bower Retirement?
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 Bower Retirement to the Financial Ombudsman Service, free of charge.
Who owns Bower Retirement?
Bower Retirement is owned by Bower Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 June 2024. Before that, it was controlled by Mr Geoffrey Sean Charles.
Who runs Bower Retirement?
Companies House lists 2 directors of Bower Retirement: Geoffrey Sean Charles and Mark Anthony Draffan.
How long has Bower Retirement been in business?
The company was formed on 20 April 2006, and has held its current FCA authorisation since July 2006.
What do Bower Retirement’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £437k (+44% from £304k) and cash at bank of £336k (+376% from £70.5k).
Does Bower Retirement use any other names?
It trades as Bower, Bower Equity Release, Bower Group, Bower Home Finance and Bower Mortgages, and 3 more names. It has previously used 9 other names, including Bower Mortgage Company Ltd, Bower Retirement Services Ltd and BMC.

Sources and links

The full report on Bower Retirement Limited

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