Ingard Financial Limited

Reference number: 450731

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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 ingard.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 366 1009 is
  • Who else gives the postcode G74 5PR
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Other names (5)

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

  • Clark Mortgages & Protection Trading name
  • Ingard Trading name
  • Ingard Mortgage and Insurance Services Trading name
  • Scottish Property Centre Mortgages Trading name
  • Ingard Financial Ltd Former name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 0330 223 4687
Fake email addresses (1)
  • editor@blueskyloans.co.uk
Fake websites (1)
  • blueskyloans.co.uk
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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.
  • 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 advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • May carry out sale and rent back activities
    The firm may carry out the following sale and rent back activities with the investment type regulated sale and rent back agreement and the customer type customer: Advising on a regulated sale and rent back agreement; Arranging (brigning about) a regulated sale and rent back agreement; and Making arrangments with a view to a regulated sale and rent back agreement.

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
05728066
Company status
Active
Company type
Private limited company
Incorporated
2 March 2006 (20 years old)
Registered office
Maple House Park West, Sealand Road, Chester, CH1 4RN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Allan Currie Director Sep 1964 19 Nov 2024 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
2
went insolvent
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
  • The one that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£97.0k

−57% from £227k

Cash at bank

£602

−98% from £36.0k

Employees (average)

10

Same as 10

Assets and liabilities

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
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05728066. 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

Ingard Financial’s history from the FCA register and Companies House, newest first.

Key events (11) All events (22)

2025

28 January 2025

  • Changed its registered name from "Ingard Financial Ltd"

FCA register

2024

19 November 2024

  • Board replaced: its only director left and a new director took over

Companies House

2018

26 October 2018

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • David Norman Ewing gave up control
  • David Norman Ewing took control (75–100% of shares)
  • Ingard Limited took control (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

30 June 2010

  • FCA imposed a requirement (May carry out sale and rent back activities)

FCA register

2006

1 November 2006

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

FCA register

2 March 2006

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (11 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Ingard Financial

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Ingard Financial

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

In Glasgow

Acla Financial Services LimitedGlasgowAuthorisedBarry ChalmersGlasgowAuthorisedBricks and Mortar Mortgages LimitedGlasgowAuthorisedC I B B Financial Services LLPGlasgowAuthorisedCapital Managers Mortgages LimitedGlasgowAuthorisedChannel Corporate LimitedGlasgowAuthorised

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 Ingard Financial

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
  • 6 years of accounts, charted
  • All 22 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Ingard Financial Limited FCA authorised?
Yes, Ingard Financial Limited (FRN 450731) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2006 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.
What is Ingard Financial’s phone number and website?
The FCA register lists the phone number 0333 366 1009 and the website ingard.co.uk for Ingard Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Ingard Financial a scam or clone?
Scammers have impersonated Ingard Financial: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Ingard Financial, shown on this page.
Is my money safe with Ingard Financial?
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 Ingard Financial to the Financial Ombudsman Service, free of charge.
Who owns Ingard Financial?
Ingard Financial is owned by Ingard Limited, which holds 25–50% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016. Before that, it was controlled by Mr David Norman Ewing.
Who runs Ingard Financial?
Companies House lists one director of Ingard Financial: Allan Currie.
How long has Ingard Financial been in business?
The company was formed on 2 March 2006, and has held its current FCA authorisation since November 2006.
What do Ingard Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £97.0k (−57% from £227k) and cash at bank of £602 (−98% from £36.0k).
Does Ingard Financial use any other names?
It trades as Clark Mortgages & Protection, Ingard, Ingard Mortgage and Insurance Services and Scottish Property Centre Mortgages. It has previously used the name Ingard Financial Ltd.

Sources and links

The full report on Ingard Financial Limited

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