Ethics Finance Ltd

Reference number: 1008318

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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, 1 thing worth a closer look

  • When ethicsfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07507 994542 is
  • Who else gives the postcode MK14 6GD
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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 (12 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

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
08758939
Company status
Active
Company type
Private limited company
Incorporated
1 November 2013 (12 years old)
Registered office
Suite 67, Milton Keynes Business Centre Foxhunter Drive,, Linford Wood, Milton Keynes, MK14 6GD, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Vithiyakanthan Subramaniyam Director Jun 1980 1 Nov 2013 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 31 May 2025Micro-entity accountsNot audited

Net assets

£25.6k

+8.9% from £23.5k

Employees (average)

3

Same as 3

Owed within a year

£42.6k

−27% from £58.7k

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 08758939. 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

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

2024

1 May 2024

  • Regulated by the FCA from this date
  • Became authorised by the FCA
  • FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2016

1 September 2016

  • Vithiyakanthan Subramaniyam took control (75–100% of shares)

Companies House

2013

1 November 2013

  • Incorporated at Companies House
  • Vithiyakanthan Subramaniyam appointed as a director

Companies House

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

Firms connected to Ethics Finance

Other FCA-listed firms that share a director, phone number or address with Ethics Finance. 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
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Firms like Ethics Finance

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

In Milton Keynes

Access Financial Services LimitedMilton KeynesAuthorisedConnells Group Principal Services LimitedMilton KeynesAuthorisedConnells LimitedMilton KeynesAuthorisedCountrywide Money LimitedMilton KeynesAuthorisedHomekey Mortgage Solutions LtdMilton KeynesAuthorisedOne Stop 4 Equity Release LimitedMilton KeynesAuthorised

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 Ethics 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
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 6 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ethics Finance Ltd FCA authorised?
Yes, Ethics Finance Ltd (FRN 1008318) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2024 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Ethics Finance’s phone number and website?
The FCA register lists the phone number 07507 994542 and the website ethicsfinance.co.uk for Ethics Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Ethics Finance a scam or clone?
Ethics 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 Ethics Finance?
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 Ethics Finance to the Financial Ombudsman Service, free of charge.
Who owns Ethics Finance?
Companies House lists one person with significant control of Ethics Finance: Mr Vithiyakanthan Subramaniyam (75–100% of shares).
Who runs Ethics Finance?
Companies House lists one director of Ethics Finance: Vithiyakanthan Subramaniyam.
How long has Ethics Finance been in business?
The company was formed on 1 November 2013, and has held its current FCA authorisation since May 2024.
What do Ethics Finance’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £25.6k (+8.9% from £23.5k).

Sources and links

The full report on Ethics Finance Ltd

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