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 5 years
- Protected through the principal
- No FCA actions
- Active company since 2009
- Accounts filed up to 31 May 2025
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 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.
- Hub Commercial Finance Ltd (FRN 938133) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Hub Commercial Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Hub Commercial 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.
-
No website on the FCA register
-
Phone number
-
Address
6 Kingston Road, Willerby, Hull, East Riding of Yorkshire, HU10 6BN, United Kingdom
In the full report: 2 background checks
- What kind of line 07970 152636 is
- Who else gives the postcode HU10 6BN
Other names (3)
If you were contacted under any of these names, it is this firm.
- MAB Later Life Trading name: A name it trades under now.
- Mortgage Advice Bureau Later Life Trading name: A name it trades under now.
- Opal Mortgage Services Yorkshire Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions 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
- 06825345 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 February 2009 (17 years old)
- Registered office
- 72 Lairgate, Beverley, East Yorkshire, HU17 8EU, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Alexander Ross Knaggs | Director | Mar 1976 | 13 Apr 2010 | 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
- 5
- are FCA-registered
- 3
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 3 on the FCA register
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£33.0k
+7.8% from £30.6k
Cash at bank
£75
−96% from £1,973
Owed within a year
£1,519
−25% from £2,022
Total equity
In the full report: all 6 years of accounts
- Every year from 2020 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 06825345. 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
Hub Commercial Finance’s history from the FCA register and Companies House, newest first.
2025
26 February 2025
- Changed its registered name from "Opal Mortgage Services Yorkshire Ltd"
FCA register
2023
30 November 2023
- Alexander Ross Knaggs stopped being the majority owner
- Keeley Knaggs stopped being a part-owner
- Mortgage Hub Group Ltd took control (75–100% of shares)
Companies House
2020
10 November 2020
- Became an appointed representative
FCA register
2016
6 April 2016
- Alexander Ross Knaggs became the majority owner (50–75% of shares)
- Keeley Knaggs became a part-owner (25–50% of shares)
Companies House
2009
20 February 2009
- Incorporated at Companies House
Companies House
In the full report: all 17 events
- All 17 events in its history (8 shown here)
- Every director appointment and resignation: 7
Firms connected to Hub Commercial Finance
Other FCA-listed firms that share a director, phone number or address with Hub Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Hub Commercial Finance
Other firms of the same type (credit broker), nearest first.
In Hull
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 Hub Commercial 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
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 17 events in its history
- 3 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Hub Commercial Finance Ltd FCA authorised?
What does appointed representative mean for Hub Commercial Finance?
What is Hub Commercial Finance’s phone number?
Is Hub Commercial Finance a scam or clone?
Is my money safe with Hub Commercial Finance?
Who owns Hub Commercial Finance?
Who runs Hub Commercial Finance?
How long has Hub Commercial Finance been in business?
What do Hub Commercial Finance’s latest accounts show?
Does Hub Commercial Finance use any other names?
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