HomeOwners Alliance Ltd
Reference number: 731313
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 10 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 December 2025
Responsible principal firm
Fluent Money Limited Reference number: 654425 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- HomeOwners Alliance Ltd (FRN 731313) introduces customers to Fluent Money Limited (FRN 654425). Any regulated advice or arranging is done by the principal, not HomeOwners Alliance.
- Example: if HomeOwners Alliance refers you to a financial adviser, the advice should come from the principal firm, not from HomeOwners Alliance itself.
- 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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Website
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Phone number
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Address
Capital House, 2 Pride Place, Pride Park, Derby, Derby, DE24 8QR, United Kingdom
In the full report: 3 background checks
- When hoa.org.uk first appeared online, and whether it can receive email
- What kind of line 020 3397 3292 is
- Who else gives the postcode DE24 8QR
Other names (1)
If you were contacted under any of these names, it is this firm.
- HomeOwners Alliance Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Fluent Money 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, 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
- 07861605 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 November 2011 (14 years old)
- Registered office
- Capital House Pride Place, Pride Park, Derby, DE24 8QR, England
- Nature of business
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- Web portals (SIC 63120)
- Other information service activities not elsewhere classified (SIC 63990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paula Ineke Higgins | Director | Jan 1971 | 19 Dec 2011 | 2 other companies |
| Angela Diane Kerr | Director | Aug 1976 | 29 Nov 2016 | None |
| Katherine Elizabeth Binns | Director | Dec 1968 | 30 Nov 2016 | None |
| Benjamin David Thompson | Director | Aug 1969 | 31 Mar 2026 | 66 other companies |
Other companies run by these 4 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
- 68
- closed down
- 2
- are FCA-registered
- 21
In the full report: all 68 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 21 on the FCA register
- All 10 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£579k
+8.8% from £532k
Employees (average)
5
Same as 5
Owed within a year
£39.4k
−40% from £66.0k
Assets and liabilities
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
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 07861605. 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
HomeOwners Alliance’s history from the FCA register and Companies House, newest first.
2026
31 March 2026
- Mortgage Advice Bureau Limited took control (75–100% of shares)
- Paula Ineke Higgins stopped being a part-owner
- Smoove Limited stopped being a part-owner
Companies House
2025
31 July 2025
- Changed its registered name from "HomeOwners Alliance Limited"
FCA register
2023
19 December 2023
- Digcom UK Holdings Ltd became a part-owner (25–50% of shares)
- Digcom UK Holdings Ltd stopped being a part-owner
- Smoove Limited became a part-owner (25–50% of shares)
- Smoove PLC stopped being a part-owner
Companies House
2016
6 April 2016
- Paula Ineke Higgins became a part-owner (25–50% of shares)
- Smoove PLC became a part-owner (25–50% of shares)
Companies House
8 January 2016
- Became an introducer appointed representative
FCA register
2011
25 November 2011
- Incorporated at Companies House
Companies House
In the full report: all 30 events
- All 30 events in its history (12 shown here)
- Every director appointment and resignation: 18
Firms connected to HomeOwners Alliance
Other FCA-listed firms that share a director, phone number or address with HomeOwners Alliance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like HomeOwners Alliance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Derby
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 HomeOwners Alliance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 68 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 30 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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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