Home of Specialist Finance Ltd
Reference number: 975735
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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.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2025
Responsible principal firm
Connect IFA Ltd Reference number: 441505 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 of Specialist Finance Ltd (FRN 975735) is an AR of Connect IFA Ltd (FRN 441505). When you use Home of Specialist Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Home of Specialist Finance, 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.
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Phone number
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Address
Home of Mortgages, Unit 12, Brooke Trading Estate, Lyon Road, Romford, RM1 2AT, United Kingdom
In the full report: 3 background checks
- When homeofspecialistfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 020 8517 1141 is, and the other firm that gives it
- Who else gives the postcode RM1 2AT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Connect IFA 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, freeYou 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
- 14046866 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 April 2022 (4 years old)
- Registered office
- 12 Brooke Trading Estate, Lyon Road, Romford, Essex, RM1 2AT, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael O'Brien | Director | Aug 1979 | 14 Apr 2022 | 8 other companies |
Other companies run by its director
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
- 8
- closed down
- 3
- is FCA-registered
- 1
In the full report: all 8 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Total equity
£82.7k
+94% from £42.5k
Cash at bank
£58.4k
+164% from £22.1k
Owed within a year
£15.0k
Up £14.5k from £500
Total equity
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- The chart, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 14046866. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Home of Specialist Finance’s history from the FCA register and Companies House, newest first.
2022
13 May 2022
- Became an appointed representative
- Began trading as "Home of Specialist Finance"
FCA register
14 April 2022
- Incorporated at Companies House
- Michael O'Brien took control (75–100% of shares)
- Michael O'brien appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Home of Specialist Finance
Other FCA-listed firms that share a director, phone number or address with Home of Specialist Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Home of Specialist Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Romford
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 of Specialist Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 8 other companies its directors have run, named
- 3 background checks on its contact details
- 4 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Home of Specialist Finance Ltd FCA authorised?
What does appointed representative mean for Home of Specialist Finance?
What is Home of Specialist Finance’s phone number and website?
Is Home of Specialist Finance a scam or clone?
Is my money safe with Home of Specialist Finance?
Who owns Home of Specialist Finance?
Who runs Home of Specialist Finance?
How long has Home of Specialist Finance been in business?
What do Home of Specialist Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk