Clear Financial (Midlands) Ltd

Reference number: 482897

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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

First Complete Limited Reference number: 435779 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.
  • Clear Financial (Midlands) Ltd (FRN 482897) is an AR of First Complete Limited (FRN 435779). When you use Clear Financial (Midlands)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Clear Financial (Midlands), 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

    0116 237 4498

  • Address

    15 Cossington Lane, Rothley, Leicester, Leicestershire, LE7 7NA, United Kingdom

In the full report: 2 background checks

  • What kind of line 0116 237 4498 is
  • Who else gives the postcode LE7 7NA
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Other names (3)

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

  • Dean Duncan Former name
  • Clear Financial Former trading name
  • DM Home Finance Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
10637280
Company status
Active
Company type
Private limited company
Incorporated
24 February 2017 (9 years old)
Registered office
Westgate House, Royland Road, Loughborough, Leicestershire, LE11 2EH, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Dean Martin Oliver Duncan Director Jun 1979 24 Feb 2017 None
Dean Martin Oliver Duncan Secretary Not published 24 Feb 2017 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

−£4,957

Up £9,415 from −£14.4k

Employees (average)

1

Same as 1

Owed within a year

£15.3k

−8.7% from £16.8k

Net assets are negative: on its last balance sheet the company owed £4,957 more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 10637280. 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

Clear Financial (Midlands)’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2019

30 April 2019

  • Nasan Manavi stopped being a part-owner

Companies House

2017

27 June 2017

  • Changed its registered name from "Dean Duncan"

FCA register

24 February 2017

  • Incorporated at Companies House
  • Dean Martin Oliver Duncan became the majority owner (50–75% of shares)
  • Nasan Manavi became a part-owner (25–50% of shares)

Companies House

2008

6 May 2008

  • Became an appointed representative

FCA register

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms like Clear Financial (Midlands)

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

In Leicester

Aarti Dilip BharakhadaLeicesterAppointed representativeABP Mortgage Solutions LtdLeicesterAppointed representativeAspire Mortgages (Leicester) LimitedLeicesterAppointed representativeBe Mortgaged LtdLeicesterAppointed representativeChristopher HarveyLeicesterAppointed representativeClear Financial (Leicester) LtdLeicesterAppointed 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 Clear Financial (Midlands)

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Clear Financial (Midlands) Ltd FCA authorised?
Clear Financial (Midlands) Ltd (FRN 482897) 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 Clear Financial (Midlands)?
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. Clear Financial (Midlands) Ltd (FRN 482897) is an AR of First Complete Limited (FRN 435779). When you use Clear Financial (Midlands)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clear Financial (Midlands), 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 Clear Financial (Midlands)’s phone number?
The FCA register lists the phone number 0116 237 4498 for Clear Financial (Midlands). If you were given different contact details, use these to check with the firm before going any further.
Is Clear Financial (Midlands) a scam or clone?
Clear Financial (Midlands) 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 Clear Financial (Midlands)?
Protection works through First Complete Limited, the principal firm responsible for Clear Financial (Midlands)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Clear Financial (Midlands)?
Companies House lists one person with significant control of Clear Financial (Midlands): Mr Dean Martin Oliver Duncan (50–75% of shares). Before that, it was controlled by Mr Nasan Manavi.
Who runs Clear Financial (Midlands)?
Companies House lists one director of Clear Financial (Midlands): Dean Martin Oliver Duncan.
How long has Clear Financial (Midlands) been in business?
The company was formed on 24 February 2017.
What do Clear Financial (Midlands)’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of −£4,957 (up £9,415 from −£14.4k).
Does Clear Financial (Midlands) use any other names?
It has previously used 3 other names: Dean Duncan, Clear Financial and DM Home Finance.

Sources and links

The full report on Clear Financial (Midlands) Ltd

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