HBFS Equity Release Limited

Reference number: 304106

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Authorised by the FCA

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

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 hbfsonline.co.uk first appeared online, and whether it can receive email
  • What kind of line 01564 711015 is
  • Who else gives the postcode B90 8AG
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Other names (1)

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

  • Helen Brown Financial Services Limited Former name

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 · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (6 permissions)
  • Advising on a home reversion plan
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • 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
05196698
Company status
Active
Company type
Private limited company
Incorporated
4 August 2004 (22 years old)
Registered office
Hbfs Equity Release Limited Central Boulevard, Blythe Valley Park, Shirley, Solihull, West Midlands, B90 8AG
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kathleen Tedstone Director Feb 1964 4 Aug 2004 None
Kathleen Tedstone Secretary Not published 4 Aug 2004 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£27.4k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£29.0k

+102% from £14.3k

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 05196698. 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

HBFS Equity Release’s history from the FCA register and Companies House, newest first.

Key events (6) All events (14)

2016

6 April 2016

  • Kathy Tedstone took control (75–100% of shares)

Companies House

2015

17 April 2015

  • Changed its registered name from "Helen Brown Financial Services Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

4 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Firms connected to HBFS Equity Release

Other FCA-listed firms that share a director, phone number or address with HBFS Equity Release. 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 HBFS Equity Release

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

In Solihull

Avram Financial Services LimitedSolihullAuthorisedJerroms Mortgage & Finance LtdSolihullAuthorisedJJP Financial LtdSolihullAuthorisedKulbinder KumarSolihullAuthorisedParagon Mortgages (2010) LimitedSolihullRegisteredPeter Gary MansfieldSolihullAuthorised

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 HBFS Equity Release

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is HBFS Equity Release Limited FCA authorised?
Yes, HBFS Equity Release Limited (FRN 304106) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is HBFS Equity Release’s phone number and website?
The FCA register lists the phone number 01564 711015 and the website hbfsonline.co.uk for HBFS Equity Release. If you were given different contact details, use these to check with the firm before going any further.
Is HBFS Equity Release a scam or clone?
HBFS Equity Release 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 HBFS Equity Release?
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 HBFS Equity Release to the Financial Ombudsman Service, free of charge.
Who owns HBFS Equity Release?
Companies House lists one person with significant control of HBFS Equity Release: Mrs Kathy Tedstone (75–100% of shares).
Who runs HBFS Equity Release?
Companies House lists one director of HBFS Equity Release: Kathleen Tedstone.
How long has HBFS Equity Release been in business?
The company was formed on 4 August 2004, and has held its current FCA authorisation since October 2004.
What do HBFS Equity Release’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £27.4k (no earlier figure to compare).
Does HBFS Equity Release use any other names?
It has previously used the name Helen Brown Financial Services Limited.

Sources and links

The full report on HBFS Equity Release Limited

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