Chaps Finance Ltd

Reference number: 1036351

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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

Connect IFA Ltd Reference number: 441505 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.
  • Chaps Finance Ltd (FRN 1036351) is an AR of Connect IFA Ltd (FRN 441505). When you use Chaps Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Chaps 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.

  • No website on the FCA register

  • Phone number

    07816 176435

  • Address

    81 Leeside Crescent, London, Barnet, NW11 0JL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07816 176435 is
  • Who else gives the postcode NW11 0JL
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Connect IFA 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, 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
15732720
Company status
Active
Company type
Private limited company
Incorporated
21 May 2024 (2 years old)
Registered office
81 Leeside Crescent, London, NW11 0JL, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Chaya Perele Spitzer Director Nov 1971 21 May 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
still active
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 31 May 2026Micro-entity accountsNot audited

Net assets

−£322

Down £279 from −£43

Employees (average)

0

Same as 0

Owed within a year

£1,433

Up £1,390 from £43

Net assets are negative: on its last balance sheet the company owed £322 more than it owned.

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 15732720. 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

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

2025

11 July 2025

  • Became an appointed representative

FCA register

2024

21 May 2024

  • Incorporated at Companies House
  • Alexander Chaim Spitzer became a part-owner (25–50% of shares)
  • Chaya Perele Spitzer became a part-owner (25–50% of shares)
  • Chaya Perele Spitzer appointed as a director

Companies House

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

Firms like Chaps Finance

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 Chaps 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 5 events in its history

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Frequently asked questions about this firm

Is Chaps Finance Ltd FCA authorised?
Chaps Finance Ltd (FRN 1036351) 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 Chaps 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. Chaps Finance Ltd (FRN 1036351) is an AR of Connect IFA Ltd (FRN 441505). When you use Chaps Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Chaps 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 Chaps Finance’s phone number?
The FCA register lists the phone number 07816 176435 for Chaps Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Chaps Finance a scam or clone?
Chaps 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 Chaps Finance?
Protection works through Connect IFA Ltd, the principal firm responsible for Chaps Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Chaps Finance?
Companies House lists 2 people with significant control of Chaps Finance: Mrs Chaya Perele Spitzer (25–50% of shares) and Mr Alexander Chaim Spitzer (25–50% of shares).
Who runs Chaps Finance?
Companies House lists one director of Chaps Finance: Chaya Perele Spitzer.
How long has Chaps Finance been in business?
The company was formed on 21 May 2024.
What do Chaps Finance’s latest accounts show?
Its latest accounts, to 31 May 2026, show net assets of −£322 (down £279 from −£43).

Sources and links

The full report on Chaps Finance Ltd

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