Fluent Bridging Limited: FCA regulated?

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.

Appointed for 5 years
Protected through the principal
No FCA actions
Active company since 2021
Accounts are overdue at Companies House

Responsible principal firm

Fluent Money Limited Reference number: 654425 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.
Fluent Bridging Limited (FRN 946250) is an AR of Fluent Money Limited (FRN 654425). When you use Fluent Bridging's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Fluent Bridging, 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.

Website

fluentmoney.co.uk/bridging (opens in a new tab)
Phone number

01204 472049
Address

Unit 102, Rivington House, Horwich Business Park, Chorley New Road, Bolton, Greater Manchester, BL6 5UE, United Kingdom

In the full report: 3 background checks

When fluentmoney.co.uk first appeared online, and whether it can receive email
What kind of line 01204 472049 is
Who else gives the postcode BL6 5UE

Other names (1)

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

Fluent Money Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Fluent Money 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.

Concerns on the company record

Accounts are overdue at Companies House.

Company number: 13198365 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 February 2021 (5 years old)
Registered office: Unit 102, Rivington House Chorley New Road, Horwich, Bolton, BL6 5UE, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Timothy Allen Wheeldon	Director	Sep 1966	12 Feb 2021	None
Simon Moore	Director	Aug 1973	12 Feb 2021	None
Peter Christopher Steven Brodnicki	Director	May 1962	11 Jul 2022	22 other companies
Joanne Thomson Stent	Director	Apr 1974	1 Oct 2026	14 other companies

Other companies run by these 4 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: 30
still active: 26
went insolvent: 4

In the full report: all 30 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
The 4 that went into liquidation or administration
The 7 on the FCA register
The 6 companies these 4 directors run together
All 9 people who have ever been directors, with their dates

Key dates in its history

Fluent Bridging’s history from the FCA register and Companies House, newest first.

Key events (3) All events (18)

2021

4 March 2021

Became an appointed representative

FCA register

12 February 2021

Incorporated at Companies House
The Fluent Money Group Limited took control (75–100% of shares)

Companies House

In the full report: all 18 events

All 18 events in its history (3 shown here)
Every director appointment and resignation: 14

Firms connected to Fluent Bridging

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

connected firms: 6
share a director: 5
share its postcode: 2

In the full report: all 6 connected firms, named

How each is linked: shared directors (5), the same postcode (2)
Who links each one: the named directors, with dates
2 past links through former directors

Firms like Fluent Bridging

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

In Bolton

Burton James Financial Services LimitedBoltonAppointed representative CC Financial Solutions LtdBoltonAppointed representative Cougar Brent Home Finance LtdBoltonAppointed representative Fluent Mortgages Horwich LimitedBoltonAppointed representative JILA Financial Services LtdBoltonAppointed representative L&R Business Finance LimitedBoltonAppointed 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 Fluent Bridging

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

30 other companies its directors have run, named
3 background checks on its contact details
All 18 events in its history
6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fluent Bridging Limited FCA authorised?

Fluent Bridging Limited (FRN 946250) 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 Fluent Bridging?

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. Fluent Bridging Limited (FRN 946250) is an AR of Fluent Money Limited (FRN 654425). When you use Fluent Bridging's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fluent Bridging, 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 Fluent Bridging’s phone number and website?

The FCA register lists the phone number 01204 472049 and the website fluentmoney.co.uk/bridging for Fluent Bridging. If you were given different contact details, use these to check with the firm before going any further.

Is Fluent Bridging a scam or clone?

Fluent Bridging 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 Fluent Bridging?

Protection works through Fluent Money Limited, the principal firm responsible for Fluent Bridging's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Fluent Bridging?

Fluent Bridging is owned by The Fluent Money Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 12 February 2021.

Who runs Fluent Bridging?

Companies House lists 4 directors of Fluent Bridging: Timothy Allen Wheeldon, Simon Moore, Peter Christopher Steven Brodnicki and Joanne Thomson Stent.

How long has Fluent Bridging been in business?

The company was formed on 12 February 2021.

Does Fluent Bridging use any other names?

It trades as Fluent Money.