Kinleigh Financial Services Limited

Reference number: 727516

Instant download

Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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 firstmortgage.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 220 6205 is, and the other firm that gives it
  • Who else gives the postcode SE1 3ER
Instant PDF download
Other names (2)

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

  • First Mortgage Direct Trading name: A name it trades under now.
  • Kinleigh Folkard & Hayward Former trading name: A name it used to trade under.

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

Limits on what they may do

  • 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company status
Active
Company type
Private limited company
Incorporated
27 March 1992 (34 years old)
Registered office
Capital House Pride Place, Pride Park, Derby, DE24 8QR, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Robert Mcgrail Director Sep 1979 3 Dec 2025 12 other companies
Gareth John Herbert Director Feb 1970 22 Sep 2026 36 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
37
closed down
1
are FCA-registered
14

In the full report: all 37 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
  • The 14 on the FCA register
  • The 11 companies these 2 directors run together
  • All 11 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 January 2025Full accountsAudited

Turnover

£1.60m

No earlier figure to compare

Profit before tax

£859k

No earlier figure to compare

Net assets

£59.4k

No earlier figure to compare

Cash at bank

£317k

No earlier figure to compare

Its next accounts are overdue at Companies House.

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 02701285. 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

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

2025

3 December 2025

  • Board replaced: all 3 directors left and a new director took over
  • First Mortgage Direct Limited took control (75–100% of shares)
  • Kinleigh Limited gave up control

Companies House

2017

1 January 2017

  • Kinleigh Limited took control (75–100% of shares)

Companies House

2016

16 May 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Applied to cancel its FCA authorisation

FCA register

1992

27 March 1992

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (8 shown here)
  • Every director appointment and resignation: 18
Instant PDF download

Firms connected to Kinleigh Financial Services

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

connected firms
12
share a director
12
share its phone number
1

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (1)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Kinleigh Financial Services

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

In London

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 Kinleigh Financial Services

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

  • 37 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 30 events in its history
  • 12 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Kinleigh Financial Services Limited FCA authorised?
Kinleigh Financial Services Limited (FRN 727516) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is Kinleigh Financial Services’ phone number and website?
The FCA register lists the phone number 0131 220 6205 and the website firstmortgage.co.uk for Kinleigh Financial Services. 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 Kinleigh Financial Services a scam or clone?
Kinleigh Financial Services 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 Kinleigh Financial Services?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Kinleigh Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Kinleigh Financial Services?
Kinleigh Financial Services is owned by First Mortgage Direct Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 3 December 2025. Before that, it was controlled by Kinleigh Limited.
Who runs Kinleigh Financial Services?
Companies House lists 2 directors of Kinleigh Financial Services: Ian Robert McGrail and Gareth John Herbert.
How long has Kinleigh Financial Services been in business?
The company was formed on 27 March 1992.
What do Kinleigh Financial Services’ latest accounts show?
Its latest accounts, to 31 January 2025, show turnover of £1.60m (no earlier figure to compare) and profit before tax of £859k (no earlier figure to compare). Its accounts are overdue at Companies House.
Does Kinleigh Financial Services use any other names?
It trades as First Mortgage Direct. It has previously used the name Kinleigh Folkard & Hayward.

Sources and links

The full report on Kinleigh Financial Services Limited

£19.99 · Instant PDF download

Loading secure checkout…