Decision Finance Limited

Reference number: 730374

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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

First Complete Limited Reference number: 435779 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.
  • Decision Finance Limited (FRN 730374) is an AR of First Complete Limited (FRN 435779). When you use Decision Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Decision Finance, 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.

  • No website on the FCA register

  • Phone number

    07703 069109

  • Address

    3 Windsor Crescent, Ovingham, Prudhoe, Northumberland, NE42 6AS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07703 069109 is
  • Who else gives the postcode NE42 6AS
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Other names (2)

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

  • David Maughan Former name
  • Decision Finance Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
09873200
Company status
Active
Company type
Private limited company
Incorporated
16 November 2015 (10 years old)
Registered office
3 Windsor Crescent, Ovingham, Prudhoe, Northumberland, NE42 6AS, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
David Maughan Director Jul 1969 16 Nov 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 November 2025Full accountsNot audited

Net assets

£805

Down £155 from £960

Cash at bank

£3,306

−35% from £5,101

Owed within a year

£3,749

−41% from £6,345

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 09873200. 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

Decision Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2026

21 April 2026

  • Changed its registered name from "Decision Finance Ltd"

FCA register

2019

1 April 2019

  • Changed its registered name from "David Maughan"

FCA register

2016

6 April 2016

  • David Maughan took control (75–100% of shares)

Companies House

2015

29 December 2015

  • Became an appointed representative

FCA register

16 November 2015

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Decision Finance

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

In the Newcastle (NE) postcode area

1-2-1 Mortgages LtdSouth ShieldsAppointed representativeA Vickers LtdNewcastle Upon TyneAppointed representativeAdlam Financial LimitedBoldenAppointed representativeAlex HayesNewcastle upon TyneAppointed representativeArissa Financial ManagementNewcastle upon TyneAppointed representativeBell Mortgage Solutions LtdGatesheadAppointed 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 Decision Finance

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Decision Finance Limited FCA authorised?
Decision Finance Limited (FRN 730374) 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 Decision Finance?
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. Decision Finance Limited (FRN 730374) is an AR of First Complete Limited (FRN 435779). When you use Decision Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Decision Finance, 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 Decision Finance’s phone number?
The FCA register lists the phone number 07703 069109 for Decision Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Decision Finance a scam or clone?
Decision Finance 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 Decision Finance?
Protection works through First Complete Limited, the principal firm responsible for Decision Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Decision Finance?
Companies House lists one person with significant control of Decision Finance: Mr David Maughan (75–100% of shares).
Who runs Decision Finance?
Companies House lists one director of Decision Finance: David Maughan.
How long has Decision Finance been in business?
The company was formed on 16 November 2015.
What do Decision Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £805 (down £155 from £960) and cash at bank of £3,306 (−35% from £5,101).
Does Decision Finance use any other names?
It has previously used 2 other names: David Maughan and Decision Finance Ltd.

Sources and links

The full report on Decision Finance Limited

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