Cullen Property Limited

Reference number: 623642

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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.

Responsible principal firm

Howden UK Brokers Limited Reference number: 307663 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.
  • Cullen Property Limited (FRN 623642) is an AR of Howden UK Brokers Limited (FRN 307663). When you use Cullen Property's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cullen Property, 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 cullenproperty.com first appeared online, and whether it can receive email
  • What kind of line 0131 221 1818 is
  • Who else gives the postcode EH1 2BW
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Other names (1)

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

  • Cullen Property Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Howden UK Brokers 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
SC249271
Company status
Active
Company type
Private limited company
Incorporated
12 May 2003 (23 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Management of real estate on a fee or contract basis (SIC 68320)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen James Coyle Director Dec 1968 1 Sep 2008 4 other companies
Dawn Marie Pianosi Director Aug 1982 11 Jan 2022 None

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
still active
4

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
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Full accountsNot audited

Net assets

£120k

−16% from £144k

Cash at bank

£155k

−14% from £181k

Owed within a year

£201k

+4.4% from £192k

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.

Accounts filed at Companies House for company SC249271. 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

Cullen Property’s history from the FCA register and Companies House, newest first.

Key events (9) All events (17)

2025

25 June 2025

  • Daniel Benedict Magnus Hartman stopped being a part-owner
  • Scoltaigh Limited became a part-owner (25–50% of shares)

Companies House

2024

27 March 2024

  • Changed its registered name from "Cullen Property Ltd"

FCA register

2023

31 March 2023

  • Daniel Benedict Magnus Hartman became a part-owner (25–50% of shares)
  • Raymond William Hartman stopped being the majority owner
  • Stephen James Coyle became a part-owner (25–50% of shares)

Companies House

2016

1 June 2016

  • Raymond William Hartman became the majority owner (50–75% of shares)

Companies House

2014

16 May 2014

  • Became an appointed representative

FCA register

2003

12 May 2003

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Cullen Property

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Cullen Property

Other firms of the same type (insurance broker), nearest first.

In the Edinburgh (EH) postcode area

Skyscanner LtdEdinburghAppointed representativeArnold Clark Insurance Services LimitedEdinburghAppointed representativeDun Eideann Property LimitedEdinburghAppointed representativeAdvantage Home Finance LtdEdinburghAppointed representativeAIW Mortgages LtdBroxburnAppointed representativeBridges Financial Services LimitedLivingstonAppointed 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 Cullen Property

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cullen Property Limited FCA authorised?
Cullen Property Limited (FRN 623642) 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 Cullen Property?
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. Cullen Property Limited (FRN 623642) is an AR of Howden UK Brokers Limited (FRN 307663). When you use Cullen Property's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cullen Property, 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 Cullen Property’s phone number and website?
The FCA register lists the phone number 0131 221 1818 and the website cullenproperty.com for Cullen Property. If you were given different contact details, use these to check with the firm before going any further.
Is Cullen Property a scam or clone?
Cullen Property 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 Cullen Property?
Protection works through Howden UK Brokers Limited, the principal firm responsible for Cullen Property's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cullen Property?
Companies House lists 2 people with significant control of Cullen Property: Mr Stephen James Coyle (25–50% of shares) and Scoltaigh Limited (25–50% of shares). Before that, it was controlled by Mr Raymond William Hartman and Mr Daniel Benedict Magnus Hartman.
Who runs Cullen Property?
Companies House lists 2 directors of Cullen Property: Stephen James Coyle and Dawn Marie Pianosi.
How long has Cullen Property been in business?
The company was formed on 12 May 2003.
What do Cullen Property’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £120k (−16% from £144k) and cash at bank of £155k (−14% from £181k).
Does Cullen Property use any other names?
It has previously used the name Cullen Property Ltd.

Sources and links

The full report on Cullen Property Limited

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