Homeloan Management Limited

Reference number: 304476

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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 pepper-advantage.com first appeared online, and whether it can receive email
  • What kind of line 0345 389 1672 is, and the 2 other firms that give it
  • Who else gives the postcode BD23 1FJ
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Other names (9)

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

  • Hml Trading name
  • Pepper Advantage Trading name
  • Pepper Advantage UK Trading name
  • SMS Trading name
  • Specialist Mortgages Services Trading name
  • CLS Former trading name
  • Computershare Former trading name
  • Computershare Loan Services Former trading name
  • Computershare Loan Servicing 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (15 permissions)
  • Acting as a CBTL administrator
  • Administering a home purchase plan
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home purchase plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to a home purchase plan
  • 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
02214839
Company status
Active
Company type
Private limited company
Incorporated
28 January 1988 (38 years old)
Registered office
Harman House, 1 George Street, Uxbridge, London, UB8 1QQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Hillary Frances Elizabeth Ray Director Sep 1963 13 Mar 2026 None
Ganna Agafonova Director Apr 1978 13 Mar 2026 13 other companies
Michael Thomas Gibbons Director Jun 1964 30 Mar 2026 4 other companies
Fraser Mcleod Gemmell (Dr) Director Dec 1977 2 Apr 2026 18 other companies
Aaron Richard Milburn Director Oct 1978 1 May 2026 10 other companies
Sharon Eeles Secretary Not published 1 Feb 2026 –

Other companies run by these 5 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
27
closed down
3
are FCA-registered
3

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 12 companies these 5 directors run together
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

Homeloan Management’s history from the FCA register and Companies House, newest first.

Key events (8) All events (103)

2026

30 April 2026

  • Board replaced: both directors left and 6 new directors took over

Companies House

1 February 2026

  • Advantage Odyssey Limited took control (75–100% of shares)
  • Computershare Investments (UK) (No. 3) Limited gave up control

Companies House

2016

8 April 2016

  • Computershare Investments (UK) (No. 3) Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1988

28 January 1988

  • Incorporated at Companies House

Companies House

In the full report: all 103 events

  • All 103 events in its history (8 shown here)
  • Every director appointment and resignation: 80
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Firms connected to Homeloan Management

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

connected firms
4
share a director
3
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Homeloan Management

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

In Skipton

Glenn McMillanSkiptonAuthorisedOdyssey Mortgage Services LimitedSkiptonAuthorisedThe Mortgage Home LimitedSkiptonAuthorisedA C Mortgages Yorkshire LtdSkiptonAppointed representativeExclusive Mortgage Advice Services LimitedSkiptonAppointed representativeFB Mortgages LimitedSkiptonAppointed 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 Homeloan Management

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 103 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Homeloan Management Limited FCA authorised?
Yes, Homeloan Management Limited (FRN 304476) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Homeloan Management’s phone number and website?
The FCA register lists the phone number 0345 389 1672 and the website pepper-advantage.com/pepper-advantage-uk for Homeloan Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Homeloan Management a scam or clone?
Homeloan Management 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 Homeloan Management?
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 Homeloan Management to the Financial Ombudsman Service, free of charge.
Who owns Homeloan Management?
Homeloan Management is owned by Advantage Odyssey Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2026. Before that, it was controlled by Computershare Investments (UK) (No. 3) Limited.
Who runs Homeloan Management?
Companies House lists 5 directors of Homeloan Management: Hillary Frances Elizabeth Ray, Ganna Agafonova, Michael Thomas Gibbons, Fraser McLeod Gemmell (Dr) and Aaron Richard Milburn.
How long has Homeloan Management been in business?
The company was formed on 28 January 1988, and has held its current FCA authorisation since October 2004.
Does Homeloan Management use any other names?
It trades as Hml, Pepper Advantage, Pepper Advantage UK, SMS and Specialist Mortgages Services. It has previously used 4 other names, including CLS, Computershare and Computershare Loan Services.

Sources and links

The full report on Homeloan Management Limited

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