Hay-House Financial Services Limited

Reference number: 1037534

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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.
  • Hay-House Financial Services Limited (FRN 1037534) is an AR of First Complete Limited (FRN 435779). When you use Hay-House Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Hay-House Financial 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

    07502 523238

  • Address

    27 Bunting Place, Chapelton, Stonehaven, Aberdeenshire, AB39 8AN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07502 523238 is
  • Who else gives the postcode AB39 8AN
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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 number
SC844025
Company status
Active
Company type
Private limited company
Incorporated
4 April 2025 (1 year old)
Registered office
27 Bunting Place, Chapelton, Stonehaven, AB39 8AN, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah-Louise Hay Director Sep 1992 4 Apr 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Hay-House Financial Services’s history from the FCA register and Companies House, newest first.

2025

29 July 2025

  • Became an appointed representative

FCA register

4 April 2025

  • Incorporated at Companies House
  • Sarah-Louise Hay took control (75–100% of shares)
  • Sarah-Louise Hay appointed as a director

Companies House

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

Firms like Hay-House Financial Services

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

In the Aberdeen (AB) postcode area

Beacon Finance Brokers LtdAberdeenAppointed representativeBH Financial & Mortgage Solutions LimitedAberdeenAppointed representativeBrian CruickshankBanchoryAppointed representativeBridge of Don Mortgage & Financial Solutions LtdAberdeenAppointed representativeDanestone Mortgage & Financial Services LtdAberdeenAppointed representativeDrummond Finance LtdAberdeenAppointed 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 Hay-House Financial Services

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
  • All 4 events in its history

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Frequently asked questions about this firm

Is Hay-House Financial Services Limited FCA authorised?
Hay-House Financial Services Limited (FRN 1037534) 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 Hay-House Financial 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. Hay-House Financial Services Limited (FRN 1037534) is an AR of First Complete Limited (FRN 435779). When you use Hay-House Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Hay-House Financial 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 Hay-House Financial Services’ phone number?
The FCA register lists the phone number 07502 523238 for Hay-House Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Hay-House Financial Services a scam or clone?
Hay-House Financial 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 Hay-House Financial Services?
Protection works through First Complete Limited, the principal firm responsible for Hay-House Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Hay-House Financial Services?
Companies House lists one person with significant control of Hay-House Financial Services: Miss Sarah-Louise Hay (75–100% of shares).
Who runs Hay-House Financial Services?
Companies House lists one director of Hay-House Financial Services: Sarah-Louise Hay.
How long has Hay-House Financial Services been in business?
The company was formed on 4 April 2025.

Sources and links

The full report on Hay-House Financial Services Limited

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