Home Financial (UK) Ltd

Reference number: 441332

Instant download

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

Life and Easy Limited Reference number: 462298 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 (UK) Ltd (FRN 441332) is an AR of Life and Easy Limited (FRN 462298). When you use Home Financial (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Home Financial (UK), 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.

In the full report: 3 background checks

  • When home-fs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01332 561000 is
  • Who else gives the postcode DE74 2JB
Instant PDF download
Other names (1)

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

  • Home Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Life and Easy 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
HOME FINANCIAL (UK) LIMITED
Company number
05513827
Company status
Active
Company type
Private limited company
Incorporated
20 July 2005 (21 years old)
Registered office
The Old Vicarage Market Street, Castle Donington, Derby, DE74 2JB
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Edward Jaruszewski Director May 1953 20 Jul 2005 None
Chrissie Ann Render Director Dec 1977 21 Jul 2006 None
Chrissie Ann Render Secretary Not published 27 Feb 2006 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 5 people who have been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£6,976

−11% from £7,806

Cash at bank

£15.9k

−19% from £19.6k

Employees (average)

3

Same as 3

Owed within a year

£9,506

−13% from £10.9k

Net assets

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
Instant PDF download
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 05513827. 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

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

Key events (4) All events (15)

2016

6 April 2016

  • Chrissie Ann Render became a part-owner (25–50% of shares)
  • Paul Edward Jaruszewski became a part-owner (25–50% of shares)

Companies House

2005

1 November 2005

  • Became an appointed representative

FCA register

20 July 2005

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (4 shown here)
  • Every director appointment and resignation: 8
Instant PDF download

Firms like Home Financial (UK)

Other firms of the same type (insurance broker), nearest first.

In the Derby (DE) postcode area

Solmar Villas LimitedBurton-On-TrentAppointed representativeAffluence Financial Management Services LimitedDerbyAppointed representativeC Dale, T K Winder & I T DaleAlfretonAppointed representativeCompare Home Insurance LimitedDerbyAppointed representativeCreate FM LtdDerbyAppointed representativeCrystal Clear Financial Planning LimitedAppointed 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 (UK)

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
  • 7 years of accounts, charted
  • All 15 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Home Financial (UK) Ltd FCA authorised?
Home Financial (UK) Ltd (FRN 441332) 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 (UK)?
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 (UK) Ltd (FRN 441332) is an AR of Life and Easy Limited (FRN 462298). When you use Home Financial (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Home Financial (UK), 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 (UK)’s phone number and website?
The FCA register lists the phone number 01332 561000 and the website home-fs.co.uk for Home Financial (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Home Financial (UK) a scam or clone?
Home Financial (UK) 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 (UK)?
Protection works through Life and Easy Limited, the principal firm responsible for Home Financial (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Home Financial (UK)?
Companies House lists 2 people with significant control of Home Financial (UK): Mr Paul Edward Jaruszewski (25–50% of shares) and Mrs Chrissie Ann Render (25–50% of shares).
Who runs Home Financial (UK)?
Companies House lists 2 directors of Home Financial (UK): Paul Edward Jaruszewski and Chrissie Ann Render.
How long has Home Financial (UK) been in business?
The company was formed on 20 July 2005.
What do Home Financial (UK)’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £6,976 (−11% from £7,806) and cash at bank of £15.9k (−19% from £19.6k).
Does Home Financial (UK) use any other names?
It trades as Home.

Sources and links

The full report on Home Financial (UK) Ltd

£19.99 · Instant PDF download

Loading secure checkout…