Direct Financial Management UK Ltd

Reference number: 968081

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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 dfm-uk.com first appeared online, and whether it can receive email
  • What kind of line 07449 783093 is
  • Who else gives the postcode EH19 3QE
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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 (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • 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-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
SC524172
Company status
Active
Company type
Private limited company
Incorporated
13 January 2016 (10 years old)
Registered office
38 Waugh Path, Bonnyrigg, EH19 3QE, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David Forbes Mcgregor Director Feb 1982 13 Jan 2016 None
Margaret Mcgregor Secretary Not published 13 Jan 2016 –

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 31 January 2025Small company accountsNot audited

Net assets

£132

Down £115 from £247

Cash at bank

£19.1k

No earlier figure to compare

Employees (average)

1

Up 1 from 0

Owed within a year

£29.1k

+237% from £8,627

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 SC524172. 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

Direct Financial Management UK’s history from the FCA register and Companies House, newest first.

2023

6 November 2023

  • FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2022

1 December 2022

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

FCA register

2016

6 April 2016

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

Companies House

13 January 2016

  • Incorporated at Companies House
  • David Forbes McGregor appointed as a director

Companies House

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

Firms like Direct Financial Management UK

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

In Bonnyrigg

The Mortgage & Finance Company LimitedBonnyriggAuthorised

In the Edinburgh (EH) postcode area

Alan SutherlandEdinburghAuthorisedBritannia Financial (UK) LimitedEdinburghAuthorisedBTL Mortgages Scotland LtdEdinburghAuthorisedCaesar & HowieBathgateAuthorisedColin James GourlayEdinburghAuthorised

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 Direct Financial Management UK

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
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Direct Financial Management UK Ltd FCA authorised?
Yes, Direct Financial Management UK Ltd (FRN 968081) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2022 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Direct Financial Management UK’s phone number and website?
The FCA register lists the phone number 07449 783093 and the website dfm-uk.com for Direct Financial Management UK. If you were given different contact details, use these to check with the firm before going any further.
Is Direct Financial Management UK a scam or clone?
Direct Financial Management UK 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 Direct Financial Management UK?
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 Direct Financial Management UK to the Financial Ombudsman Service, free of charge.
Who owns Direct Financial Management UK?
Companies House lists one person with significant control of Direct Financial Management UK: Mr David Forbes McGregor (75–100% of shares).
Who runs Direct Financial Management UK?
Companies House lists one director of Direct Financial Management UK: David Forbes McGregor.
How long has Direct Financial Management UK been in business?
The company was formed on 13 January 2016, and has held its current FCA authorisation since December 2022.
What do Direct Financial Management UK’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £132 (down £115 from £247) and cash at bank of £19.1k (no earlier figure to compare).

Sources and links

The full report on Direct Financial Management UK Ltd

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