FEAR Financial Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 1 year
Your funds are protected by FSCS
No FCA actions
Active company since 2023
Accounts filed up to 31 December 2025

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.

Website

fearfinancial.co.uk (opens in a new tab)
Phone number

07811 033918
Address

9 Victoria Street, Cwmbran, NP44 3JS, United Kingdom

In the full report: 3 background checks

When fearfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 07811 033918 is
Who else gives the postcode NP44 3JS

Other names (6)

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

Angela Of The North Mortgages Trading name: A name it trades under now.
JEMS Trading name: A name it trades under now.
Mortgages Made Easy Trading name: A name it trades under now.
Royal Mortgage Solutions Trading name: A name it trades under now.
Blue Fish Mortgage Solutions 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

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: 14965151 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 June 2023 (3 years old)
Registered office: 9 Victoria Street, Cwmbran, NP44 3JS, Wales
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Leigh Rowland	Director	Jan 1977	27 Jun 2023	6 other companies

Other companies run by its director

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: 6
closed down: 2
still active: 3

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

18 months to 31 December 2025Micro-entity accountsNot audited

Total equity

£29.3k

No earlier figure to compare

Employees (average)

2

Up 2 from 0

Owed within a year

£49.1k

Up £47.4k from £1,710

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 14965151. 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

FEAR Financial’s history from the FCA register and Companies House, newest first.

Key events (6) All events (16)

2024

12 December 2024

Craig Skelton stopped being a part-owner

Companies House

2 December 2024

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

FCA register

2023

27 June 2023

Incorporated at Companies House
Craig Skelton became a part-owner (25–50% of shares)
Leigh Rowland became a part-owner (25–50% of shares)

Companies House

In the full report: all 16 events

All 16 events in its history (6 shown here)
Every director appointment and resignation: 1

Firms connected to FEAR Financial

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like FEAR Financial

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

In Cwmbran

Homes Made Simple LimitedCwmbranAuthorised One 2 One Mortgage Solutions LimitedCwmbranAuthorised AR Mortgage Solutions LtdCwmbranAppointed representative Evolution Private Finance Ltd.CwmbranAppointed representative Gemma KenneyCwmbranAppointed representative Lisa Price Financial Services LimitedCwmbranAppointed 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 FEAR Financial

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

6 other companies its directors have run, named
3 background checks on its contact details
All 16 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is FEAR Financial Ltd FCA authorised?

Yes, FEAR Financial Ltd (FRN 1012718) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2024 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is FEAR Financial’s phone number and website?

The FCA register lists the phone number 07811 033918 and the website fearfinancial.co.uk for FEAR Financial. If you were given different contact details, use these to check with the firm before going any further.

Is FEAR Financial a scam or clone?

FEAR Financial 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 FEAR Financial?

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 FEAR Financial to the Financial Ombudsman Service, free of charge.

Who owns FEAR Financial?

Companies House lists one person with significant control of FEAR Financial: Mr Leigh Rowland (25–50% of shares). Before that, it was controlled by Mr Craig Skelton.

Who runs FEAR Financial?

Companies House lists one director of FEAR Financial: Leigh Rowland.

How long has FEAR Financial been in business?

The company was formed on 27 June 2023, and has held its current FCA authorisation since December 2024.

What do FEAR Financial’s latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £29.3k (no earlier figure to compare).

Does FEAR Financial use any other names?

It trades as Angela Of The North Mortgages, JEMS, Mortgages Made Easy and Royal Mortgage Solutions. It has previously used 2 other names: Blue Fish Mortgage Solutions and Velox Mortgages.