Genuine Finance Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 2 years
Your funds are protected by FSCS
No FCA actions
Active company since 2023
Accounts filed up to 5 April 2025
On its latest accounts it owed £302k more than it owned

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

genuine-finance.co.uk (opens in a new tab)
Phone number

01482 693280
Address

Genuine Finance Ltd, 50 Church Road, North Ferriby, Yorkshire, HU14 3AA, United Kingdom

In the full report: 3 background checks

When genuine-finance.co.uk first appeared online, and whether it can receive email
What kind of line 01482 693280 is
Who else gives the postcode HU14 3AA

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.
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 (9 permissions)

Acting as a CBTL advisor
Acting as a CBTL Advisor
Acting as a CBTL arranger
Acting as a CBTL Arranger
Advising on regulated mortgage contracts
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts

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: 14588203 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 January 2023 (3 years old)
Registered office: 123 Hallgate, Cottingham, HU16 4DA, England
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Lesley Ann Laws	Director	Oct 1964	12 Jan 2023	2 other companies
Julie Ann Simpson	Director	Jul 1963	18 Apr 2023	1 other company

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: 2
closed down: 2
run together: 1

In the full report: all 2 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 1 company these 2 directors run together

Filed accounts and finances

Year to 5 April 2025Small company accountsNot audited

Net assets

−£302k

Down £162k from −£140k

Cash at bank

£4,241

−82% from £23.3k

Employees (average)

7

+75% from 4

Net assets are negative: on its last balance sheet the company owed £302k more than it owned.

Assets and liabilities

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 14588203. 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

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

Key events (5) All events (8)

2023

12 December 2023

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

FCA register

26 June 2023

Julie Ann Simpson became a part-owner (25–50% of shares)

Companies House

12 January 2023

Incorporated at Companies House
Lesley Ann Laws became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Genuine Finance

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

In North Ferriby

Swanland Mortgages LimitedNorth FerribyAuthorised

In the Hull (HU) postcode area

Cheap Mortgages LimitedHullAuthorised Kis Finance LimitedHullAuthorised P&D FinancialHullAuthorised Pride Protect Life LimitedHullAuthorised Sutton Mortgage Brokers LtdHullAuthorised

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 Genuine Finance

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

2 other companies its directors have run, named
3 background checks on its contact details
All 8 events in its history

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Frequently asked questions about this firm

Is Genuine Finance Limited FCA authorised?

Yes, Genuine Finance Limited (FRN 996345) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2023 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Genuine Finance’s phone number and website?

The FCA register lists the phone number 01482 693280 and the website genuine-finance.co.uk for Genuine Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Genuine Finance a scam or clone?

Genuine 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 Genuine 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 Genuine Finance to the Financial Ombudsman Service, free of charge.

Who owns Genuine Finance?

Companies House lists 2 people with significant control of Genuine Finance: Ms Lesley Ann Laws (25–50% of shares) and Ms Julie Ann Simpson (25–50% of shares).

Who runs Genuine Finance?

Companies House lists 2 directors of Genuine Finance: Lesley Ann Laws and Julie Ann Simpson.

How long has Genuine Finance been in business?

The company was formed on 12 January 2023, and has held its current FCA authorisation since December 2023.

What do Genuine Finance’s latest accounts show?

Its latest accounts, to 5 April 2025, show net assets of −£302k (down £162k from −£140k) and cash at bank of £4,241 (−82% from £23.3k).