Complete FS Limited

Reference number: 738129

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When complete-fs.co.uk first appeared online, and whether it can receive email
  • What kind of line 023 8045 0504 is
  • Who else gives the postcode SO31 4RA
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Other names (1)

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

  • Specialist Mortgage Online Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
08163434
Company status
Active
Company type
Private limited company
Incorporated
31 July 2012 (14 years old)
Registered office
Fleming Court Leigh Road, Eastleigh, Southampton, Hampshire, SO50 9PD
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip John Jay Director Aug 1963 31 Jul 2012 11 other companies
Damian John Cain Director May 1965 1 Aug 2017 8 other companies
Claire Louise Budden Director May 1979 19 Dec 2024 2 other companies

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
17
closed down
10
run together
4

In the full report: all 17 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 4 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£84.5k

−59% from £208k

Cash at bank

£213k

−48% from £413k

Employees (average)

21

+17% from 18

Owed within a year

£264k

+10% from £240k

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
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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 08163434. 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

Complete FS’s history from the FCA register and Companies House, newest first.

Key events (10) All events (18)

2021

31 July 2021

  • Antonio Salentino no longer has significant control
  • Philip John Jay no longer has significant control

Companies House

2017

28 June 2017

  • Cain Family Holding Company Limited became a part-owner (25–50% of shares)
  • Cfs Subco Holding Limited became a part-owner (25–50% of shares)
  • Jay Family Holding Company Limited became a part-owner (25–50% of shares)

Companies House

2016

1 December 2016

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

FCA register

6 April 2016

  • Antonio Salentino gained significant control
  • Philip John Jay gained significant control

Companies House

2012

31 July 2012

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (10 shown here)
  • Every director appointment and resignation: 5
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Firms like Complete FS

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

In Southampton

AT Financial Solutions LimitedSouthamptonAuthorisedCog Financial LtdSouthamptonAuthorisedJonathan Smith & PartnersSouthamptonAuthorisedMilitary Direct LimitedSouthamptonAuthorisedQuality Finances LimitedSouthamptonAuthorisedRapinder BasiSouthamptonAuthorised

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 Complete FS

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

  • 17 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 Complete FS Limited FCA authorised?
Yes, Complete FS Limited (FRN 738129) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Complete FS’ phone number and website?
The FCA register lists the phone number 023 8045 0504 and the website complete-fs.co.uk for Complete FS. If you were given different contact details, use these to check with the firm before going any further.
Is Complete FS a scam or clone?
Complete FS 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 Complete FS?
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 Complete FS to the Financial Ombudsman Service, free of charge.
Who owns Complete FS?
Companies House lists 3 people with significant control of Complete FS: Jay Family Holding Company Limited (25–50% of shares), Cain Family Holding Company Limited (25–50% of shares) and Cfs Subco Holding Limited (25–50% of shares). Before that, it was controlled by Mr Antonio Salentino and Mr Philip John Jay.
Who runs Complete FS?
Companies House lists 3 directors of Complete FS: Philip John Jay, Damian John Cain and Claire Louise Budden.
How long has Complete FS been in business?
The company was formed on 31 July 2012, and has held its current FCA authorisation since December 2016.
What do Complete FS’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £84.5k (−59% from £208k) and cash at bank of £213k (−48% from £413k).
Does Complete FS use any other names?
It has previously used the name Specialist Mortgage Online.

Sources and links

The full report on Complete FS Limited

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