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
Beneficial Ltd Reference number: 736655 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.
- Chameleon Finance Ltd (FRN 1051493) is an AR of Beneficial Ltd (FRN 736655). When you use Chameleon Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Chameleon 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.
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No website on the FCA register
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Phone number
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Address
651 Mauldeth Road West, Chorlton Cum Hardy, Manchester, Manchester, M21 7SA, United Kingdom
In the full report: 2 background checks
- What kind of line 07719 431263 is
- Who else gives the postcode M21 7SA
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Beneficial Ltd, 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, freeYou 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
- 16495894 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 June 2025 (1 year old)
- Registered office
- 651a Mauldeth Road West, Chorlton Cum Hardy, Manchester, M21 7SA, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Laythan Christopher Barrett | Director | Dec 1982 | 4 Jun 2025 | 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
Key dates in its history
Chameleon Finance’s history from the FCA register and Companies House, newest first.
2026
24 March 2026
- Became an appointed representative
FCA register
2025
4 June 2025
- Incorporated at Companies House
- Laythan Christopher Barrett took control (75–100% of shares)
- Laythan Christopher Barrett appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Chameleon Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Manchester
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 Chameleon 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
- 2 background checks on its contact details
- All 4 events in its history
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Frequently asked questions about this firm
Is Chameleon Finance Ltd FCA authorised?
What does appointed representative mean for Chameleon Finance?
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Is my money safe with Chameleon Finance?
Who owns Chameleon Finance?
Who runs Chameleon Finance?
How long has Chameleon Finance been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk