Home Financial Services Limited

Reference number: 1013614

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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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • Home Financial Services Limited (FRN 1013614) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Home Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Home 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

    029 2280 7160

  • Address

    4 Castleton Court, Fortran Road, St. Mellons, Cardiff, CF3 0LT, United Kingdom

In the full report: 2 background checks

  • What kind of line 029 2280 7160 is
  • Who else gives the postcode CF3 0LT
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Other names (4)

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

  • Home Equity Release Trading name
  • Manage My Mortgage Trading name
  • Home Equity Release Limited Former name
  • Home Mortgage Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cornerstone Finance Group Ltd, 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
15250542
Company status
Active
Company type
Private limited company
Incorporated
31 October 2023 (2 years old)
Registered office
4 Castleton Court Fortran Road, St. Mellons, Cardiff, CF3 0LT, Wales
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Martyn David Fisher Director Mar 1967 31 Oct 2023 None
Neil Howard James Director Mar 1967 31 Oct 2023 1 other company

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

−£59.5k

Down £16.0k from −£43.5k

Cash at bank

£6,524

+58% from £4,137

Employees (average)

2

Same as 2

Owed within a year

£66.1k

+39% from £47.7k

Net assets are negative: on its last balance sheet the company owed £59.5k more than it owned.

Net assets

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 15250542. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (11)

2026

4 February 2026

  • Changed its registered name from "Home Equity Release Limited"

FCA register

2024

30 May 2024

  • Became an appointed representative

FCA register

2023

31 October 2023

  • Incorporated at Companies House
  • Martyn David Fisher became a part-owner (25–50% of shares)
  • Neil Howard James became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Home Financial Services

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Home Financial Services

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

In Cardiff

Bocc Finance LimitedCardiffAppointed representativeCeltic Finance LtdCardiffAppointed representativeColin MorganCardiffAppointed representativeComplex Capital LimitedCardiffAppointed representativeDJC Financial Solutions LtdCardiffAppointed representativeEzra Finance LtdCardiffAppointed 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 Home Financial Services

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 11 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Home Financial Services Limited FCA authorised?
Home Financial Services Limited (FRN 1013614) 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 Home 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. Home Financial Services Limited (FRN 1013614) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Home Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Home 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 Home Financial Services’ phone number?
The FCA register lists the phone number 029 2280 7160 for Home Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Home Financial Services a scam or clone?
Home 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 Home Financial Services?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Home Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Home Financial Services?
Companies House lists 2 people with significant control of Home Financial Services: Mr Neil Howard James (25–50% of shares) and Mr Martyn David Fisher (25–50% of shares).
Who runs Home Financial Services?
Companies House lists 2 directors of Home Financial Services: Martyn David Fisher and Neil Howard James.
How long has Home Financial Services been in business?
The company was formed on 31 October 2023.
What do Home Financial Services’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of −£59.5k (down £16.0k from −£43.5k) and cash at bank of £6,524 (+58% from £4,137).
Does Home Financial Services use any other names?
It trades as Home Equity Release and Manage My Mortgage. It has previously used 2 other names: Home Equity Release Limited and Home Mortgage Management.

Sources and links

The full report on Home Financial Services Limited

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