Creative Lending Solutions Ltd

Reference number: 990630

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.

Responsible principal firm

HL Partnership Limited Reference number: 303397 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.
  • Creative Lending Solutions Ltd (FRN 990630) is an AR of HL Partnership Limited (FRN 303397). When you use Creative Lending Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Creative Lending 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.

In the full report: 3 background checks

  • When creativelending.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 133 6183 is
  • Who else gives the postcode PO15 7NT
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
14490191
Company status
Active
Company type
Private limited company
Incorporated
17 November 2022 (3 years old)
Registered office
Office B, Chesil House, Arrow Close, Eastleigh, Hampshire, SO50 4SY, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael David Newman Director Dec 1977 17 Nov 2022 None
Michael David Newman Secretary Not published 17 Nov 2022 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£17.9k

Up £17.7k from £154

Cash at bank

£24.9k

+382% from £5,157

Employees (average)

1

Same as 1

Assets and liabilities

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 14490191. 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

Creative Lending Solutions’s history from the FCA register and Companies House, newest first.

2023

25 January 2023

  • Became an appointed representative
  • Began trading as "Creative Lending Solutions"

FCA register

2022

17 November 2022

  • Incorporated at Companies House
  • Michael David Newman took control (75–100% of shares)
  • Michael David Newman appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Creative Lending Solutions

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

In Fareham

Albany Park Mortgages LimitedFarehamAppointed representativeC L Mortgages and Protection LtdFarehamAppointed representativeCoast Financial Services LimitedFarehamAppointed representativeEasy Mortgages LimitedFarehamAppointed representativeEdwin GuyFarehamAppointed representativeKnight Shaw LtdFarehamAppointed 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 Creative Lending Solutions

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
  • 3 background checks on its contact details
  • All 5 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Creative Lending Solutions Ltd FCA authorised?
Creative Lending Solutions Ltd (FRN 990630) 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 Creative Lending Solutions?
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. Creative Lending Solutions Ltd (FRN 990630) is an AR of HL Partnership Limited (FRN 303397). When you use Creative Lending Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Creative Lending 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.
What is Creative Lending Solutions’ phone number and website?
The FCA register lists the phone number 0330 133 6183 and the website creativelending.co.uk for Creative Lending Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Creative Lending Solutions a scam or clone?
Creative Lending Solutions 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 Creative Lending Solutions?
Protection works through HL Partnership Limited, the principal firm responsible for Creative Lending Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Creative Lending Solutions?
Companies House lists one person with significant control of Creative Lending Solutions: Michael David Newman (75–100% of shares).
Who runs Creative Lending Solutions?
Companies House lists one director of Creative Lending Solutions: Michael David Newman.
How long has Creative Lending Solutions been in business?
The company was formed on 17 November 2022.
What do Creative Lending Solutions’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £17.9k (up £17.7k from £154) and cash at bank of £24.9k (+382% from £5,157).

Sources and links

The full report on Creative Lending Solutions Ltd

£19.99 · Instant PDF download

Loading secure checkout…