HG Financial Ltd

Reference number: 602604

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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

Sesame Limited Reference number: 150427 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.
  • HG Financial Ltd (FRN 602604) is an AR of Sesame Limited (FRN 150427). When you use HG Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from HG 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

    07977 264688

  • Address

    78 Normandy Avenue, Barnet, Herts, EN5 2HS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07977 264688 is
  • Who else gives the postcode EN5 2HS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sesame 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
HG FINANCIAL LIMITED
Company number
08531664
Company status
Active
Company type
Private limited company
Incorporated
16 May 2013 (13 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon William Lovatt Director Sep 1981 16 May 2013 None
Tracy Lovatt Director Dec 1978 1 Jan 2016 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Net assets

£2,633

−41% from £4,429

Employees (average)

3

Same as 3

Owed within a year

£16.2k

−7.3% from £17.5k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08531664. 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

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

2016

6 April 2016

  • Simon William Lovatt took control (75–100% of shares)

Companies House

1 January 2016

  • Tracy Lovatt appointed as a director

Companies House

2013

17 June 2013

  • Became an appointed representative

FCA register

16 May 2013

  • Incorporated at Companies House
  • Simon William Lovatt appointed as a director

Companies House

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

Firms like HG Financial

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

In Barnet

Chris FyfeBarnetAppointed representativeEssential Mortgage & Money Solutions LtdBarnetAppointed representativeProppea Mortgages LimitedBarnetAppointed representativeTower Bridge Commercial Solutions LimitedBarnetAppointed representativeYOLO Money LimitedBarnetAppointed representativeRosewood Private LtdBarnetAuthorised

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 HG 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
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is HG Financial Ltd FCA authorised?
HG Financial Ltd (FRN 602604) 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 HG 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. HG Financial Ltd (FRN 602604) is an AR of Sesame Limited (FRN 150427). When you use HG Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from HG 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 HG Financial’s phone number?
The FCA register lists the phone number 07977 264688 for HG Financial. If you were given different contact details, use these to check with the firm before going any further.
Is HG Financial a scam or clone?
HG 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 HG Financial?
Protection works through Sesame Limited, the principal firm responsible for HG Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns HG Financial?
Companies House lists one person with significant control of HG Financial: Mr Simon William Lovatt (75–100% of shares).
Who runs HG Financial?
Companies House lists 2 directors of HG Financial: Simon William Lovatt and Tracy Lovatt.
How long has HG Financial been in business?
The company was formed on 16 May 2013.
What do HG Financial’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £2,633 (−41% from £4,429).

Sources and links

The full report on HG Financial Ltd

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