Kh&p Ltd

Reference number: 496731

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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.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised 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.
  • KH&P LTD (FRN 496731) is an AR of First Complete Limited (FRN 435779). When you use KH&P's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from KH&P, 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

    01495 616700

  • Address

    Mamhilad House, Mamhilad Park Estate, Pontypool, Torfaen, NP4 0HZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01495 616700 is, and the other firm that gives it
  • Who else gives the postcode NP4 0HZ
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Other names (2)

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

  • King's Financial Services Trading name
  • King's Mortgage & Finance Services Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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, free
    You 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
12165571
Company status
Active
Company type
Private limited company
Incorporated
20 August 2019 (7 years old)
Registered office
Oak Suite Mamhilad House, Mamhilad Park Estate, Pontypool, NP4 0HZ, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil King Director May 1970 20 Aug 2019 1 other company

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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 one on the FCA register
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

−£29.7k

Down £9,719 from −£20.0k

Employees (average)

3

−25% from 4

Owed within a year

£57.3k

Up £52.1k from £5,161

Net assets are negative: on its last balance sheet the company owed £29.7k more than it owned.

Assets and liabilities

In the full report: all 5 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 12165571. 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

Kh&p’s history from the FCA register and Companies House, newest first.

2025

19 June 2025

  • Pamela King stopped being a part-owner

Companies House

2020

31 October 2020

  • Pamela King became a part-owner (25–50% of shares)

Companies House

2019

20 August 2019

  • Incorporated at Companies House
  • Neil King became a part-owner (25–50% of shares)
  • Neil King appointed as a director

Companies House

2013

16 August 2013

  • Changed its registered name from "King's Financial Services"
  • Began trading as "King's Financial Services"

FCA register

2009

16 October 2009

  • Changed its registered name from "King's Mortgage & Finance Services"

FCA register

23 February 2009

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Kh&p

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Kh&p

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

In Pontypool

Beacham's Elite Mortgages LimitedPontypoolAppointed representativeRoss French Mortgages LtdPontypoolAppointed representative

In the Newport (NP) postcode area

APR Mortgages LtdNewportAppointed representativeAR Mortgage Solutions LtdCwmbranAppointed representativeBreakthrough Mortgage & Financial Services LtdAbergavennyAppointed representativeBright Financial Affiliates LtdNewportAppointed 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 Kh&p

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 9 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Kh&p Ltd FCA authorised?
Kh&p Ltd (FRN 496731) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Kh&p?
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. Kh&p Ltd (FRN 496731) is an AR of First Complete Limited (FRN 435779). When you use Kh&p's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kh&p, 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.
What is Kh&p’s phone number?
The FCA register lists the phone number 01495 616700 for Kh&p. 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 one other FCA firm.
Is Kh&p a scam or clone?
Kh&p 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 Kh&p?
Protection works through First Complete Limited, the principal firm responsible for Kh&p's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kh&p?
Companies House lists one person with significant control of Kh&p: Mr Neil King (25–50% of shares). Before that, it was controlled by Mrs Pamela King.
Who runs Kh&p?
Companies House lists one director of Kh&p: Neil King.
How long has Kh&p been in business?
The company was formed on 20 August 2019.
What do Kh&p’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of −£29.7k (down £9,719 from −£20.0k).
Does Kh&p use any other names?
It trades as King's Financial Services. It has previously used the name King's Mortgage & Finance Services.

Sources and links

The full report on Kh&p Ltd

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