HTG Finance Limited

Reference number: 825534

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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 hometreefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 987 1789 is
  • Who else gives the postcode EC1N 7RJ
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Other names (4)

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

  • BeWarm Trading name
  • Hometree Trading name
  • Hometree Finance Trading name
  • BeWarm Group Limited Former name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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 (5 permissions)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • 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)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

Limits on what they may do

  • Requirement regarding self-employed customers
    For a period of six months from the effective date 9 December 2025 of this requirement, the firm must: 1. Conduct a manual assessment of affordability for all self-employed customers and use the results of this assessment to determine whether the credit is affordable. 2. Compare the outcomes of the manual affordability assessment with those generated by the firm’s automated affordability assessment process. 3. At the end of the six-month period, provide the FCA with a report summarising: a. The methodology and findings of the manual assessment. b. The comparative analysis between manual and automated outcomes. c. Any proposed changes to the automated process based on these findings. 4. Until the FCA has reviewed the findings and confirmed its position, the firm must continue to conduct a manual assessment of affordability for any lending decisions (and not use any automated process for lending decisions) for self-employed customers. 5. Following the FCA review, the firm may request that this requirement be lifted or amended, subject to FCA approval.
  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
11357988
Company status
Active
Company type
Private limited company
Incorporated
12 May 2018 (8 years old)
Registered office
Hamilton House, 4 Mabledon Place, London, WC1H 9BB, United Kingdom
Nature of business
  • Plumbing, heat and air-conditioning installation (SIC 43220)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Rory Duff Director Jun 1978 12 May 2018 None
Matthew Galen Boyes Director Jul 1978 5 Nov 2018 12 other companies

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 companies
12
closed down
6
still active
6

In the full report: all 12 companies, 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 30 September 2023Full accountsAudited

Net assets

£168k

−52% from £347k

Cash at bank

£96.3k

+34% from £71.9k

Employees (average)

4

+100% from 2

Owed within a year

£751k

+316% from £180k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • The chart, over every year
  • Every filed figure, year by year
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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 11357988. 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

HTG Finance’s history from the FCA register and Companies House, newest first.

Key events (11) All events (18)

2025

9 December 2025

  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • FCA imposed a requirement (Requirement regarding self-employed customers)

FCA register

2023

14 September 2023

  • Changed its registered name from "BeWarm Group Limited"

FCA register

13 September 2023

  • Hometree Marketplace Limited took control (75–100% of shares)
  • Matthew Galen Boyes stopped being a part-owner
  • Rory Duff stopped being a part-owner

Companies House

2019

21 February 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2018

5 November 2018

  • Matthew Galen Boyes became a part-owner (25–50% of shares)

Companies House

12 May 2018

  • Incorporated at Companies House
  • Rory Duff became a part-owner (25–50% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (11 shown here)
  • Every director appointment and resignation: 2
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Firms connected to HTG Finance

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like HTG Finance

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 HTG Finance

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 18 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is HTG Finance Limited FCA authorised?
Yes, HTG Finance Limited (FRN 825534) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2019 and works as a lender. The FCA has placed 2 limits on what it may do.
What is HTG Finance’s phone number and website?
The FCA register lists the phone number 0800 987 1789 and the website hometreefinance.co.uk for HTG Finance. If you were given different contact details, use these to check with the firm before going any further.
Is HTG Finance a scam or clone?
HTG Finance 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 HTG Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how HTG Finance handles your money, so check the specific product before you commit. You can also refer complaints about HTG Finance to the Financial Ombudsman Service, free of charge.
Who owns HTG Finance?
HTG Finance is owned by Hometree Marketplace Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 September 2023. Before that, it was controlled by Mr Matthew Galen Boyes and Mr Rory Duff.
Who runs HTG Finance?
Companies House lists 2 directors of HTG Finance: Rory Duff and Matthew Galen Boyes.
How long has HTG Finance been in business?
The company was formed on 12 May 2018, and has held its current FCA authorisation since February 2019.
What do HTG Finance’s latest accounts show?
Its latest accounts, to 30 September 2023, show net assets of £168k (−52% from £347k) and cash at bank of £96.3k (+34% from £71.9k).
Does HTG Finance use any other names?
It trades as BeWarm, Hometree and Hometree Finance. It has previously used the name BeWarm Group Limited.

Sources and links

The full report on HTG Finance Limited

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