Fresh Finance Group Limited

Reference number: 451629

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Fresh Finance Group Limited (FRN 451629) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Fresh Finance Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fresh Finance Group, 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.

In the full report: 3 background checks

  • When freshfinancegroup.com first appeared online, and whether it can receive email
  • What kind of line 01782 595252 is
  • Who else gives the postcode ST5 1EL
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Other names (1)

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

  • Fresh Finance Group Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
05706346
Company status
Active
Company type
Private limited company
Incorporated
13 February 2006 (20 years old)
Registered office
10 King Street, Newcastle, ST5 1EL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart Ryan Mcminn Director Mar 1979 13 Feb 2006 4 other companies
James Michael John Rank Director Sep 1976 13 Feb 2006 5 other companies
James Michael John Rank Secretary Not published 13 Feb 2006 5 other companies

Other companies run by these 2 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
5
closed down
2
run together
4

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 companies these 2 directors run together
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Filed accounts and finances

Year to 30 May 2025Micro-entity accountsNot audited

Employees (average)

8

Same as 8

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05706346. 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

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

2025

23 April 2025

  • Changed its registered name from "Fresh Finance Group Ltd"

FCA register

2017

13 February 2017

  • James Michael John Rank became a part-owner (25–50% of shares)
  • Stuart Ryan McMinn became a part-owner (25–50% of shares)

Companies House

2006

9 May 2006

  • Became an appointed representative

FCA register

13 February 2006

  • Incorporated at Companies House
  • James Michael John Rank appointed as a director
  • Stuart Ryan McMinn appointed as a director

Companies House

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

Firms connected to Fresh Finance Group

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Fresh Finance Group

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

In Newcastle Under Lyme

Keynote Mortgage Solutions LimitedNewcastle Under LymeAppointed representative

In the Stoke-on-Trent (ST) postcode area

3C Financial Services LimitedNewcastleAppointed representativeAngela ArnoldStoneAppointed representativeBarkers Finance LtdStoke on TrentAppointed representativeBoardman Financial LimitedStoke-on-TrentAppointed representativeCarl CritchlowLeekAppointed 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 Fresh Finance Group

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 7 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fresh Finance Group Limited FCA authorised?
Fresh Finance Group Limited (FRN 451629) 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 Fresh Finance Group?
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. Fresh Finance Group Limited (FRN 451629) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Fresh Finance Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fresh Finance Group, 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 Fresh Finance Group’s phone number and website?
The FCA register lists the phone number 01782 595252 and the website freshfinancegroup.com for Fresh Finance Group. If you were given different contact details, use these to check with the firm before going any further.
Is Fresh Finance Group a scam or clone?
Fresh Finance Group 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 Fresh Finance Group?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Fresh Finance Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fresh Finance Group?
Companies House lists 2 people with significant control of Fresh Finance Group: Mr James Michael John Rank (25–50% of shares) and Mr Stuart Ryan McMinn (25–50% of shares).
Who runs Fresh Finance Group?
Companies House lists 2 directors of Fresh Finance Group: Stuart Ryan McMinn and James Michael John Rank.
How long has Fresh Finance Group been in business?
The company was formed on 13 February 2006.
What do Fresh Finance Group’s latest accounts show?
Does Fresh Finance Group use any other names?
It has previously used the name Fresh Finance Group Ltd.

Sources and links

The full report on Fresh Finance Group Limited

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