Clearly Loans Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Your funds are protected by FSCS
No FCA actions
Active company since 2012
Accounts filed up to 31 May 2026
On its latest accounts it owed £96.2k more than it owned

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.

Website

clearlyloans.co.uk (opens in a new tab)
Phone number

01923 750777
Address

15 Denewood Road, London, Haringey, N6 4AQ, United Kingdom

In the full report: 3 background checks

When clearlyloans.co.uk first appeared online, and whether it can receive email
What kind of line 01923 750777 is
Who else gives the postcode N6 4AQ

FCA permissions and consumer protection

Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (2 permissions)

Administering a regulated mortgage contract
Entering into a regulated mortgage contract as lender

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: 08054826 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 2 May 2012 (14 years old)
Registered office: Wisteria Grange Barn, Pikes End, Pinner, London, HA5 2EX, United Kingdom
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Garry Patrick Monaghan	Director	Apr 1966	2 May 2012	3 other companies
Samuel Carleton Busfield	Director	Jun 1980	1 Feb 2013	3 other companies
Matthew John Tristram	Director	Mar 1976	1 Feb 2013	3 other companies
WISTERIA REGISTRARS LIMITED	Corporate secretary	Not published	2 May 2012	–

Other companies run by these 3 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: 6
closed down: 2
is FCA-registered: 1

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 3 companies these 3 directors run together

Filed accounts and finances

Year to 31 May 2026Full accountsNot audited

Turnover

£39.5k

−58% from £93.0k

Profit before tax

−£25.7k

Down £4,712 from −£20.9k

Net assets

−£96.2k

Down £25.7k from −£70.6k

Cash at bank

£179k

−16% from £214k

Net assets are negative: on its last balance sheet the company owed £96.2k more than it owned.

Turnover and profit

In the full report: all 7 years of accounts

Every year from 2020 to 2026
Both charts, 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.

Accounts filed at Companies House for company 08054826. 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

Clearly Loans’s history from the FCA register and Companies House, newest first.

Key events (4) All events (9)

2016

6 April 2016

Garry Patrick Monaghan became a part-owner (25–50% of shares)

Companies House

21 March 2016

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2012

2 May 2012

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms connected to Clearly Loans

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Clearly Loans

Other firms of the same type (mortgage lender), nearest first.

In London

Prudential Lifetime Mortgages LimitedLondonAuthorised Rothschild & Co Wealth Management UK LimitedLondonAuthorised Coutts Finance Co.LondonAuthorised Butterfield Mortgages LimitedLondonAuthorised Octopus Investments LimitedLondonAuthorised LendInvest Loans LimitedLondonAuthorised

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 Clearly Loans

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

6 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 9 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clearly Loans Limited FCA authorised?

Yes, Clearly Loans Limited (FRN 705119) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a mortgage lender. The FCA has placed no limits on its permissions.

What is Clearly Loans’ phone number and website?

The FCA register lists the phone number 01923 750777 and the website clearlyloans.co.uk for Clearly Loans. If you were given different contact details, use these to check with the firm before going any further.

Is Clearly Loans a scam or clone?

Clearly Loans 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 Clearly Loans?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Clearly Loans to the Financial Ombudsman Service, free of charge.

Who owns Clearly Loans?

Companies House lists one person with significant control of Clearly Loans: Mr Garry Patrick Monaghan (25–50% of shares).

Who runs Clearly Loans?

Companies House lists 3 directors of Clearly Loans: Garry Patrick Monaghan, Samuel Carleton Busfield and Matthew John Tristram.

How long has Clearly Loans been in business?

The company was formed on 2 May 2012, and has held its current FCA authorisation since March 2016.

What do Clearly Loans’ latest accounts show?

Its latest accounts, to 31 May 2026, show turnover of £39.5k (−58% from £93.0k) and profit before tax of −£25.7k (down £4,712 from −£20.9k).