Friendly Financial Ltd

Reference number: 516012

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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

First Complete Limited Reference number: 435779 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.
  • Friendly Financial Ltd (FRN 516012) is an AR of First Complete Limited (FRN 435779). When you use Friendly Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Friendly Financial, 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.

  • No website on the FCA register

  • Phone number

    028 7137 1706

  • Address

    Unit 36 Templemore Business Park, Derry, BT48 0LD, United Kingdom

In the full report: 2 background checks

  • What kind of line 028 7137 1706 is
  • Who else gives the postcode BT48 0LD
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Other names (2)

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

  • William McLain Former name
  • www.derryproperty.com Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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 name
FRIENDLY FINANCIAL LIMITED
Company number
NI644531
Company status
Active
Company type
Private limited company
Incorporated
14 March 2017 (9 years old)
Registered office
Unit 36 Templemore Business Park, Derry, BT48 0LD, Northern Ireland
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
William Mclain Director Jun 1972 14 Mar 2017 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 March 2025Micro-entity accountsNot audited

Net assets

£28.0k

−37% from £44.6k

Employees (average)

6

−14% from 7

Owed within a year

£22.8k

−8.7% from £24.9k

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 NI644531. 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

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

Key events (4) All events (9)

2017

24 May 2017

  • Changed its registered name from "William McLain"

FCA register

14 March 2017

  • Incorporated at Companies House
  • William McLain took control (75–100% of shares)

Companies House

2010

11 January 2010

  • Became an appointed representative

FCA register

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Friendly Financial

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

In Derry

Assumpta BreslinDerryAppointed representativePatrick MageeDerryAppointed representative

In the Belfast (BT) postcode area

UPS (Financial Services) LtdBelfastAppointed representative1 4 U Financial Solutions LtdBangorAppointed representativeAdrian Gallagher LtdCarrickfergusAppointed representativeAidan RiceNewryAppointed 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 Friendly Financial

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Friendly Financial Ltd FCA authorised?
Friendly Financial Ltd (FRN 516012) 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 Friendly Financial?
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. Friendly Financial Ltd (FRN 516012) is an AR of First Complete Limited (FRN 435779). When you use Friendly Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Friendly Financial, 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 Friendly Financial’s phone number?
The FCA register lists the phone number 028 7137 1706 for Friendly Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Friendly Financial a scam or clone?
Friendly 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 Friendly Financial?
Protection works through First Complete Limited, the principal firm responsible for Friendly Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Friendly Financial?
Companies House lists one person with significant control of Friendly Financial: Mr William McLain (75–100% of shares).
Who runs Friendly Financial?
Companies House lists one director of Friendly Financial: William McLain.
How long has Friendly Financial been in business?
The company was formed on 14 March 2017.
What do Friendly Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £28.0k (−37% from £44.6k).
Does Friendly Financial use any other names?
It has previously used 2 other names: William McLain and www.derryproperty.com.

Sources and links

The full report on Friendly Financial Ltd

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