ClearScore Home Lending Limited
Reference number: 979210
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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.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- One of its directors is also a director of a firm that is no longer authorised
- Its whole board of directors changed in January 2025
Responsible principal firm
CLEARSCORE EVERYWHERE LIMITED Reference number: 662079 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.
- ClearScore Home Lending Limited (FRN 979210) is an AR of CLEARSCORE EVERYWHERE LIMITED (FRN 662079). When you use ClearScore Home Lending's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from ClearScore Home Lending, 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
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Address
Dakota House, Concord Business Park, Simonsway, Wythenshawe, Manchester, Greater Manchester, M22 0RR, United Kingdom
In the full report: 3 background checks
- When clearscore.com first appeared online, and whether it can receive email
- What kind of line 0800 432 0142 is, and the 2 other firms that give it
- Who else gives the postcode M22 0RR
Other names (10)
If you were contacted under any of these names, it is this firm.
- Aro Trading name: A name it trades under now.
- Aro Money Trading name: A name it trades under now.
- Aro Mortgages Trading name: A name it trades under now.
- Clearscore Trading name: A name it trades under now.
- Aro Money Limited Former name: A name it was registered under before.
- Freedom Finance Mortgages Limited Former name: A name it was registered under before.
- Freedom4Intermediaries Former trading name: A name it used to trade under.
- Freedom Finance Former trading name: A name it used to trade under.
- Freedom For Intermediaries Former trading name: A name it used to trade under.
- Freedom Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Clearscore Everywhere 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 14203395 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 June 2022 (4 years old)
- Registered office
- Vox Studios, Vg 203 1-45 Durham Street, London, SE11 5JH, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Justin Simon Mark Basini | Director | Jun 1974 | 28 Jan 2025 | 7 other companies |
| Brian Thomas Cole | Director | Feb 1970 | 28 Jan 2025 | 3 other companies |
Other companies run by these 2 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
- 7
- still active
- 7
- are FCA-registered
- 3
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register, including 3 no longer authorised
- The 3 companies these 2 directors run together
- All 6 people who have ever been directors, with their dates
Key dates in its history
ClearScore Home Lending’s history from the FCA register and Companies House, newest first.
2025
23 July 2025
- Changed its registered name from "Aro Money Limited"
FCA register
28 January 2025
- Board replaced: all 3 directors left and 2 new directors took over
Companies House
2024
10 May 2024
- Changed its registered name from "Freedom Finance Mortgages Limited"
FCA register
2022
15 July 2022
- Became an appointed representative
FCA register
29 June 2022
- Incorporated at Companies House
- Clearscore Everywhere Limited took control (75–100% of shares)
Companies House
In the full report: all 28 events
- All 28 events in its history (6 shown here)
- Every director appointment and resignation: 10
Firms connected to ClearScore Home Lending
Other FCA-listed firms that share a director, phone number or address with ClearScore Home Lending. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- no longer authorised
- 1
- share a director
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same phone number (1), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like ClearScore Home Lending
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 ClearScore Home Lending
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 3 background checks on its contact details
- All 28 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
Is ClearScore Home Lending Limited FCA authorised?
What does appointed representative mean for ClearScore Home Lending?
What is ClearScore Home Lending’s phone number and website?
Is ClearScore Home Lending a scam or clone?
Is my money safe with ClearScore Home Lending?
Who owns ClearScore Home Lending?
Who runs ClearScore Home Lending?
How long has ClearScore Home Lending been in business?
Does ClearScore Home Lending use any other names?
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