GHL Network Services Ltd

Reference number: 497119

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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

Openwork Limited Reference number: 408285 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.
  • GHL Network Services Ltd (FRN 497119) is an AR of Openwork Limited (FRN 408285). When you use GHL Network Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from GHL Network Services, 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

    0845 370 0172

  • Address

    Brightfield Business Hub, Bakewell Road, Orton Southgate, Peterborough, Cambridgeshire, PE2 6XU, United Kingdom

In the full report: 2 background checks

  • What kind of line 0845 370 0172 is
  • Who else gives the postcode PE2 6XU
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Other names (231)

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

  • GHL Direct Trading name
  • Abbey Mortgages Services Former trading name
  • Absolute Mortgage Funding Former trading name
  • Access Insurance Services Former trading name
  • Active Loans & Mortgages Former trading name
  • Acumen Mortgage Services Former trading name
  • ADF Financial Services Former trading name
  • Adi Financial Management Former trading name
  • AD Mortgages Former trading name
  • Advance & Go Mortgage Solutions Former trading name
  • AfforblemMortgage.Co.Uk Former trading name
  • A & J Financial Former trading name
  • AJS Mortgage Services Former trading name
  • Alan Miles Former trading name
  • AM2PM Mortgage Former trading name
  • Amakom Finance & Property Former trading name
  • A M S Consultants Former trading name
  • Andrew & Co MortgageSolutions Former trading name
  • Andrew M Thresher Former trading name
  • Andrew Reeves Estate Agents Former trading name
  • Apex Mortgage Services Former trading name
  • APL Finance Former trading name
  • Apple Finance Former trading name
  • Apple Financial Services Former trading name
  • Archway Mortgages Former trading name
  • Ask Mortgages Former trading name
  • Atom Mortgage Services Former trading name
  • Balot Trading Former trading name
  • Berneficial Mortgage Solutions Former trading name
  • Bespoe Financial Associates Former trading name
  • BGB Mortgage Solutions Former trading name
  • Blue Dot Financial Former trading name
  • Bright Blue Mortgages Former trading name
  • Brockton Associates Former trading name
  • C A Hughes Former trading name
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  • Capital Mortgages Former trading name
  • Castle Oak Mortgage Services Former trading name
  • Caydale Mortgage Services Former trading name
  • Central Financial Services Former trading name
  • Chrimore Former trading name
  • Christopher Arnold Former trading name
  • Christopher Simms Mortgage Consultant Former trading name
  • Churchill Financial Services Former trading name
  • Claxton Financial Services Former trading name
  • Clear Mortgages Former trading name
  • Cockerill Financial Services Former trading name
  • Compass Mortgages Former trading name
  • Connect Mortgage Solutions Former trading name
  • Consolidated Mortgages Former trading name
  • Credit Center UK Former trading name
  • Daniel Sims Estate Agents & Mortgage Services Former trading name
  • Darryl Hatfield Former trading name
  • Daventry Financial Planning Former trading name
  • David Humble Former trading name
  • DDM Financial Former trading name
  • Dependale Finance Former trading name
  • Direct Mortgage Advice Former trading name
  • Donovan Financial Services Former trading name
  • Dorn Mortgages Services Former trading name
  • Dream Money Former trading name
  • DSG Homefinance Former trading name
  • Easy4Life Former trading name
  • Eden Mortgage Services Former trading name
  • Emjay Financial Services Former trading name
  • Esstee Mortgage Former trading name
  • Express Fianance Corporation Former trading name
  • Fast Track Mortgage Solutions Former trading name
  • Finance 4 Me Former trading name
  • Fintax UK Former trading name
  • First Class Mortgage & Finance Former trading name
  • GBF Financial Former trading name
  • Ghl Financial Services Former trading name
  • Ghl Investment Specialist Former trading name
  • Ghl Mortgage Solutions Former trading name
  • Ghl Retirement Planning Former trading name
  • Goldsmith Estate Agents Former trading name
  • Goswells FS Former trading name
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  • HDW & ES Klander Former trading name
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  • Jeremy Philip Erwin Former trading name
  • Jewel Money Former trading name
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  • JFS Mortgage Specialists Former trading name
  • Jigsaw Financial Solutions Former trading name
  • j. Sajjadi Mortgage Services Former trading name
  • JSM Finance Former trading name
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  • Linda Hunt Former trading name
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  • Michael Prout Former trading name
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  • Morris & Co Former trading name
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  • Paul Duggan Former trading name
  • Petrina Burgess - Foreman Associates Former trading name
  • P G Mortgage & Loans Former trading name
  • Plain & Simple Mortgages Former trading name
  • PNJ Home Finance Former trading name
  • Premier Mortgage Services Former trading name
  • Prime Mortgage Services Former trading name
  • Prompt Mortgages Former trading name
  • Prosper Home Loans Former trading name
  • Proud Mortgages Former trading name
  • Raymond Eric Wilkinson Former trading name
  • Real Mortgage Packaging Former trading name
  • Reef Finance Former trading name
  • Reliance Network Former trading name
  • Right 4 U Mortgage Services Former trading name
  • Sarfaraz Khan Former trading name
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  • Shanco Services Former trading name
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  • Sphere Finance Former trading name
  • Status Mortgage Services Former trading name
  • Strabane Mortgage Centre Former trading name
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  • Sutton Mortgage Centre UK Former trading name
  • Taylor Associates Former trading name
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  • Terry Teasdale Former trading name
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  • USD Former trading name
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  • V O Mortgages Former trading name
  • Warren & Shaw Mortgage Services Former trading name
  • Waterford Hayes Former trading name
  • Welcome Mortgage Associates Former trading name
  • West & Wales Mortgages Former trading name
  • www.andrewreeves.co.uk Former trading name
  • Wyre Financial Services Former trading name
  • Xchange Mortgages Former trading name
  • Xpress Mortgage Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
06705790
Company status
Active
Company type
Private limited company
Incorporated
24 September 2008 (18 years old)
Registered office
Brightfield Business Hub Bakewell Road, Orton Southgate, Peterborough, Cambs, PE2 6XU, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
William Nigel Gardner Director Jan 1962 24 Sep 2008 3 other companies
John Howard Smith Director Oct 1970 24 Sep 2008 14 other companies
John Howard Smith Secretary Not published 31 Mar 2010 –

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
17
closed down
6
went insolvent
2

In the full report: all 17 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Net assets

£667k

+50% from £445k

Cash at bank

£738k

+18% from £624k

Owed within a year

£510k

+18% from £434k

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
Instant PDF download
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.

Accounts filed at Companies House for company 06705790. 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

GHL Network Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (471)

2016

6 April 2016

  • John Howard Smith became a part-owner (25–50% of shares)
  • William Nigel Gardner became a part-owner (25–50% of shares)

Companies House

2009

3 March 2009

  • Became an appointed representative

FCA register

2008

24 September 2008

  • Incorporated at Companies House

Companies House

In the full report: all 471 events

  • All 471 events in its history (4 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms like GHL Network Services

Other firms of the same type (financial adviser), nearest first.

In Peterborough

Alpine Private Wealth LtdPeterboroughAppointed representativeBlack Oak Commercial Finance LtdPeterboroughAppointed representativeBright Business Advice LimitedPeterboroughAppointed representativeClaire GraingePeterboroughAppointed representativeGreenStones Financial Services LimitedPeterboroughAppointed representativeIan GornallPeterboroughAppointed 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 GHL Network Services

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

  • 17 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 471 events in its history

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Frequently asked questions about this firm

Is GHL Network Services Ltd FCA authorised?
GHL Network Services Ltd (FRN 497119) 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 GHL Network Services?
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. GHL Network Services Ltd (FRN 497119) is an AR of Openwork Limited (FRN 408285). When you use GHL Network Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from GHL Network Services, 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 GHL Network Services’ phone number?
The FCA register lists the phone number 0845 370 0172 for GHL Network Services. If you were given different contact details, use these to check with the firm before going any further.
Is GHL Network Services a scam or clone?
GHL Network Services 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 GHL Network Services?
Protection works through Openwork Limited, the principal firm responsible for GHL Network Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns GHL Network Services?
Companies House lists 2 people with significant control of GHL Network Services: William Nigel Gardner (25–50% of shares) and John Howard Smith (25–50% of shares).
Who runs GHL Network Services?
Companies House lists 2 directors of GHL Network Services: William Nigel Gardner and John Howard Smith.
How long has GHL Network Services been in business?
The company was formed on 24 September 2008.
What do GHL Network Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £667k (+50% from £445k) and cash at bank of £738k (+18% from £624k).
Does GHL Network Services use any other names?
It trades as GHL Direct. It has previously used 230 other names, including Abbey Mortgages Services, Absolute Mortgage Funding and Access Insurance Services.

Sources and links

The full report on GHL Network Services Ltd

£19.99 · Instant PDF download

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