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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 30 June 2025
Responsible principal firm
Openwork Limited Reference number: 408285 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.
- CS Financial Group Limited (FRN 778941) is an AR of Openwork Limited (FRN 408285). When you use CS Financial Group's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from CS Financial Group, 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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No website on the FCA register
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Phone number
-
Address
10/12 Woolpack Yard, Kendal, LA9 4NG, United Kingdom
In the full report: 2 background checks
- What kind of line 07834 458270 is
- Who else gives the postcode LA9 4NG
Other names (22)
If you were contacted under any of these names, it is this firm.
- AR Financial Services Trading name: A name it trades under now.
- CS Mortgage Solutions Trading name: A name it trades under now.
- CS Retirement Solutions Trading name: A name it trades under now.
- CS Mortgage Solutions Ltd Former name: A name it was registered under before.
- Angela Of The North Mortgages Former trading name: A name it used to trade under.
- Binnington Mortgages Former trading name: A name it used to trade under.
- Blue Fish Mortgage Solutions Former trading name: A name it used to trade under.
- Breathe Mortgages Former trading name: A name it used to trade under.
- Carter Financial Solutions Former trading name: A name it used to trade under.
- Chris Hazell Mortgages Former trading name: A name it used to trade under.
- CS Wealth Solutions Former trading name: A name it used to trade under.
- DLi Mortgages Former trading name: A name it used to trade under.
- Lendora Financial Services Former trading name: A name it used to trade under.
- Marty Naan Mortgage Advice Former trading name: A name it used to trade under.
- Mortgages Made Easy Former trading name: A name it used to trade under.
- Overcome Mortgages Former trading name: A name it used to trade under.
- Renew My Mortgage Former trading name: A name it used to trade under.
- Rose Mortgages Former trading name: A name it used to trade under.
- Stenson Wealth Management Former trading name: A name it used to trade under.
- The Home Finance Hub Former trading name: A name it used to trade under.
- The Smart Mortgage Broker Former trading name: A name it used to trade under.
- Velox Mortgages Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Openwork 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
- 10731629 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 April 2017 (9 years old)
- Registered office
- 10/12 Woolpack Yard, Kendal, LA9 4NG, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Craig Skelton | Director | Feb 1972 | 20 Apr 2017 | 3 other companies |
| Antony Jonathon Randall | Director | Oct 1991 | 17 Aug 2026 | 1 other company |
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
- 4
- closed down
- 2
- still active
- 2
In the full report: all 4 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
Filed accounts and finances
Total equity
£51.5k
+557% from £7,839
Employees (average)
1
Same as 1
Owed within a year
£108k
+19% from £91.1k
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
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 10731629. 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
CS Financial Group’s history from the FCA register and Companies House, newest first.
2017
14 July 2017
- Changed its registered name from "CS Mortgage Solutions Ltd"
FCA register
12 May 2017
- Became an appointed representative
FCA register
20 April 2017
- Incorporated at Companies House
- Craig Skelton took control (75–100% of shares)
Companies House
In the full report: all 45 events
- All 45 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms like CS Financial Group
Other firms of the same type (financial adviser), nearest first.
In Kendal
KNS Financial Planning LtdKendalAppointed representativeMoore Wealth LimitedKendalAppointed representativeQuintessential Wealth Management LimitedKendalAppointed representativeFinancial Management Bureau LimitedKendalAuthorisedJohn Tamblin Financial Services LtdKendalAuthorisedMacbeth, Scott & Co. Life & Pension Services LimitedKendalAuthorised
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 CS Financial Group
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 45 events in its history
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Frequently asked questions about this firm
Is CS Financial Group Limited FCA authorised?
CS Financial Group Limited (FRN 778941) 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 CS Financial Group?
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. CS Financial Group Limited (FRN 778941) is an AR of Openwork Limited (FRN 408285). When you use CS Financial Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CS Financial Group, 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 CS Financial Group’s phone number?
The FCA register lists the phone number 07834 458270 for CS Financial Group. If you were given different contact details, use these to check with the firm before going any further.
Is CS Financial Group a scam or clone?
CS Financial Group 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 CS Financial Group?
Protection works through Openwork Limited, the principal firm responsible for CS Financial Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CS Financial Group?
Companies House lists one person with significant control of CS Financial Group: Mr Craig Skelton (75–100% of shares).
Who runs CS Financial Group?
Companies House lists 2 directors of CS Financial Group: Craig Skelton and Antony Jonathon Randall.
How long has CS Financial Group been in business?
The company was formed on 20 April 2017.
What do CS Financial Group’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of £51.5k (+557% from £7,839).
Does CS Financial Group use any other names?
It trades as AR Financial Services, CS Mortgage Solutions and CS Retirement Solutions. It has previously used 19 other names, including CS Mortgage Solutions Ltd, Angela Of The North Mortgages and Binnington Mortgages.
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