Carbon Private Clients Ltd

Reference number: 1025388

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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

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
  • Carbon Private Clients Ltd (FRN 1025388) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Carbon Private Clients's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Carbon Private Clients, 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 carbonfc.com first appeared online, and whether it can receive email
  • What kind of line 020 8153 1350 is
  • Who else gives the postcode SE1 9RY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Intelligence 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
16084895
Company status
Active
Company type
Private limited company
Incorporated
18 November 2024 (1 year old)
Registered office
Mary Sheridan House, 11-19 St Thomas Street, London Bridge, SE1 9RY, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip Andrew Thomas Johnson Director Apr 1990 18 Nov 2024 1 other company
Paul John Lyons Director Jul 1981 18 Nov 2024 6 other companies

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
7
closed down
1
is FCA-registered
1

In the full report: all 7 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
  • The one on the FCA register
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Filed accounts and finances

Year to 31 December 2025Abridged accountsNot audited

Total equity

£16.1k

No earlier figure to compare

Cash at bank

£29.1k

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£12.9k

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 16084895. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Carbon Private Clients’s history from the FCA register and Companies House, newest first.

2025

20 February 2025

  • Became an appointed representative

FCA register

2024

18 November 2024

  • Incorporated at Companies House
  • Paul John Lyons took control (75–100% of shares)
  • Paul John Lyons appointed as a director
  • Philip Andrew Thomas Johnson appointed as a director

Companies House

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

Firms connected to Carbon Private Clients

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

connected firms
5
share a director
1
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (1), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Carbon Private Clients

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

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 Carbon Private Clients

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 5 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Carbon Private Clients Ltd FCA authorised?
Carbon Private Clients Ltd (FRN 1025388) 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 Carbon Private Clients?
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. Carbon Private Clients Ltd (FRN 1025388) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Carbon Private Clients's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Carbon Private Clients, 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 Carbon Private Clients’ phone number and website?
The FCA register lists the phone number 020 8153 1350 and the website carbonfc.com for Carbon Private Clients. If you were given different contact details, use these to check with the firm before going any further.
Is Carbon Private Clients a scam or clone?
Carbon Private Clients 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 Carbon Private Clients?
Protection works through Mortgage Intelligence Limited, the principal firm responsible for Carbon Private Clients's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Carbon Private Clients?
Companies House lists one person with significant control of Carbon Private Clients: Mr Paul John Lyons (75–100% of shares).
Who runs Carbon Private Clients?
Companies House lists 2 directors of Carbon Private Clients: Philip Andrew Thomas Johnson and Paul John Lyons.
How long has Carbon Private Clients been in business?
The company was formed on 18 November 2024.
What do Carbon Private Clients’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £16.1k (no earlier figure to compare) and cash at bank of £29.1k (no earlier figure to compare).

Sources and links

The full report on Carbon Private Clients Ltd

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