Hilltop Finance Limited

Reference number: 787803

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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 hilltopfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 413 7051 is
  • Who else gives the postcode M4 7DB
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Other names (14)

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

  • Hilltop Financial Planning Trading name
  • National Pension Advisors Trading name
  • Advisers Near Me Former trading name
  • Combine My Pensions Former trading name
  • Hilltop Pensions Former trading name
  • My Pension People Former trading name
  • My Pension SOS Former trading name
  • Pension Advice Nationwide Former trading name
  • Pension People Former trading name
  • Smarter Pensions Former trading name
  • The Pension Surgery Former trading name
  • Unite Financial Services Former trading name
  • Unite Pension Review Former trading name
  • Your Pension Review Former trading 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.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages 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 (8 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
09351168
Company status
Active
Company type
Private limited company
Incorporated
11 December 2014 (11 years old)
Registered office
3 Fabrica 269 Great Ancoats Street, Manchester, M4 7DB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Derek Andrew Kelly Director Jan 1972 7 Sep 2020 54 other companies
Elaine Jane Kelly Director Nov 1979 7 Sep 2020 1 other company
Ciaran Hamilton Director Feb 1974 11 Aug 2023 None
Ryan Hoddes Director Nov 1993 12 Aug 2023 1 other company
Liam Michael Hoddes Director Oct 1995 12 Aug 2023 3 other companies
Gary Hoddes Director Jun 1965 8 May 2026 None

Other companies run by these 6 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
58
closed down
47
are FCA-registered
2

In the full report: all 58 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 6 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

£588k

+21% from £487k

Cash at bank

£493k

+54% from £320k

Employees (average)

63

+5% from 60

Owed within a year

£2.04m

+65% from £1.24m

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 09351168. 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

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

Key events (13) All events (61)

2024

29 February 2024

  • Ciaran Hamilton stopped being a part-owner
  • Hilltop Employee Share Ownership Trust Limited took control (75–100% of shares)
  • Liam Michael Hoddes stopped being a part-owner
  • Ryan Hoddes stopped being a part-owner

Companies House

2021

7 February 2021

  • Liam Michael Hoddes became a part-owner (25–50% of shares)
  • Ryan Hoddes became a part-owner (25–50% of shares)

Companies House

2018

11 December 2018

  • Board replaced: both directors left and 2 new directors took over

Companies House

1 February 2018

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

FCA register

2017

6 July 2017

  • Ciaran Hamilton became a part-owner (25–50% of shares)
  • Huntsman Hawkes Wealth Management LLP stopped being a part-owner

Companies House

2016

15 November 2016

  • Huntsman Hawkes Wealth Management LLP became a part-owner (25–50% of shares)

Companies House

2014

11 December 2014

  • Incorporated at Companies House

Companies House

In the full report: all 61 events

  • All 61 events in its history (13 shown here)
  • Every director appointment and resignation: 18
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Firms connected to Hilltop Finance

Other FCA-listed firms that share a director, phone number or address with Hilltop Finance. A link shows who the firm is tied to, not whether either can be trusted.

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like Hilltop Finance

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

In Manchester

Anthony William LennonManchesterAuthorisedBaker Financial Planning LtdManchesterAuthorisedBlacksquare Advisory LimitedManchesterAuthorisedCarpenter Rees LimitedManchesterAuthorisedChamberlain AssociatesManchesterAuthorisedChristian Douglass Group LimitedManchesterAuthorised

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 Hilltop Finance

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

  • 58 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 61 events in its history

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Frequently asked questions about this firm

Is Hilltop Finance Limited FCA authorised?
Yes, Hilltop Finance Limited (FRN 787803) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2018 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Hilltop Finance’s phone number and website?
The FCA register lists the phone number 0161 413 7051 and the website hilltopfinance.co.uk for Hilltop Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Hilltop Finance a scam or clone?
Hilltop 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 Hilltop 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 Hilltop Finance to the Financial Ombudsman Service, free of charge.
Who owns Hilltop Finance?
Hilltop Finance is owned by Hilltop Employee Share Ownership Trust Limited, which holds 75–100% of shares, since 29 February 2024. Before that, it was controlled by Huntsman Hawkes Wealth Management LLP, Mr Liam Michael Hoddes and Mr Ryan Hoddes.
Who runs Hilltop Finance?
Companies House lists 6 directors of Hilltop Finance: Derek Andrew Kelly, Elaine Jane Kelly, Ciaran Hamilton, Ryan Hoddes, Liam Michael Hoddes and Gary Hoddes.
How long has Hilltop Finance been in business?
The company was formed on 11 December 2014, and has held its current FCA authorisation since February 2018.
What do Hilltop Finance’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £588k (+21% from £487k) and cash at bank of £493k (+54% from £320k).
Does Hilltop Finance use any other names?
It trades as Hilltop Financial Planning and National Pension Advisors. It has previously used 12 other names, including Advisers Near Me, Combine My Pensions and Hilltop Pensions.

Sources and links

The full report on Hilltop Finance Limited

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