Choice Finance Mortgages & Financial Solutions Limited
Reference number: 464330
Instant download
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.
- Appointed for 19 years
- Protected through the principal
- No FCA actions
- Active company since 2014
- Accounts filed up to 31 December 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Choice Finance Mortgages & Financial Solutions Limited (FRN 464330) is an AR of Sesame Limited (FRN 150427). When you use Choice Finance Mortgages & Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Choice Finance Mortgages & Financial Solutions, 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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Phone number
-
Address
45-47 High Street, Aldridge, Walsall, WS9 8NL, United Kingdom
In the full report: 3 background checks
- When choicefinancemortgages.com first appeared online, and whether it can receive email
- What kind of line 0330 124 0474 is
- Who else gives the postcode WS9 8NL
Other names (7)
If you were contacted under any of these names, it is this firm.
- Choice Finance Trading name: A name it trades under now.
- Choice Finance Mortgages & Financial Solutions Ltd Former name: A name it was registered under before.
- 1st Step Mortgage Services Former trading name: A name it used to trade under.
- Choice London Former trading name: A name it used to trade under.
- Choice Mortgages Former trading name: A name it used to trade under.
- Choice New Builds Former trading name: A name it used to trade under.
- Choice Remortgages Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (3)
- 07451 251286
- 07520 688133
- 07774 392810
Fake email addresses (3)
- contactloanteamuk@gmail.com
- info@choicefinanceuk.co.uk
- jackfinanceteam@gmail.com
Fake websites (1)
- choicefinanceuk.co.uk
The FCA warning these came from
- choicefinanceuk.co.uk 25 August 2026
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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, 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 09355558 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 December 2014 (11 years old)
- Registered office
- No1 Parkside Court, Greenhough Road, Lichfield, Staffordshire, WS13 7FE, United Kingdom
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Matthew John Pennell | Director | Apr 1980 | 15 Dec 2014 | 5 other companies |
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 companies
- 5
- closed down
- 4
- went insolvent
- 1
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
Filed accounts and finances
Net assets
£1,644
−18% from £2,008
Cash at bank
£53.1k
Up £52.3k from £849
Employees (average)
4
Same as 4
Owed within a year
£190k
+101% from £94.2k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 09355558. 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
This firm’s history from the FCA register and Companies House, newest first.
2026
25 August 2026
- FCA warned the public about a scam impersonating this firm
FCA warning list
2025
19 November 2025
- Changed its registered name from "Choice Finance Mortgages & Financial Solutions Ltd"
FCA register
2016
6 April 2016
- Matthew John Pennell took control (75–100% of shares)
Companies House
2015
5 March 2015
- Changed its registered name from "Choice Finance"
FCA register
2014
15 December 2014
- Incorporated at Companies House
Companies House
2007
22 February 2007
- Became an appointed representative
FCA register
In the full report: all 18 events
- All 18 events in its history (6 shown here)
- Every director appointment and resignation: 1
Similar firms
Other firms of the same type (insurance broker), nearest first.
In Walsall
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 this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 18 events in its history
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Frequently asked questions about this firm
Is Choice Finance Mortgages & Financial Solutions Limited FCA authorised?
What does appointed representative mean for Choice Finance Mortgages & Financial Solutions?
What is Choice Finance Mortgages & Financial Solutions’ phone number and website?
Is Choice Finance Mortgages & Financial Solutions a scam or clone?
Is my money safe with Choice Finance Mortgages & Financial Solutions?
Who owns Choice Finance Mortgages & Financial Solutions?
Who runs Choice Finance Mortgages & Financial Solutions?
How long has Choice Finance Mortgages & Financial Solutions been in business?
What do Choice Finance Mortgages & Financial Solutions’ latest accounts show?
Does Choice Finance Mortgages & Financial Solutions use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: choicefinanceuk.co.uk fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk