KLAS Financial Limited

Reference number: 1037919

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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.
  • KLAS Financial Limited (FRN 1037919) is an AR of First Complete Limited (FRN 435779). When you use KLAS Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from KLAS Financial, 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

    07737 827665

  • Address

    10 Sussex Court, Billericay, Essex, CM12 0FB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07737 827665 is
  • Who else gives the postcode CM12 0FB
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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
16519085
Company status
Active
Company type
Private limited company
Incorporated
16 June 2025 (1 year old)
Registered office
Unit L, Radford Business Centre, Radford Way, Billericay, Essex, CM12 0BZ, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Debbie Bowerman Director Dec 1978 16 Jun 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

2025

7 August 2025

  • Became an appointed representative

FCA register

16 June 2025

  • Incorporated at Companies House
  • Debbie Bowerman took control (75–100% of shares)
  • Debbie Bowerman appointed as a director

Companies House

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

Firms like KLAS Financial

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

In Billericay

A Little Advice LimitedBillericayAppointed representativeDaniel & Jacobs LtdBillericayAppointed representativeILH Financial LimitedBillericayAppointed representativeMortgage Friendly.Net LimitedBillericayAppointed representativePulse Mortgages LtdBillericayAppointed representativeClarity FM LimitedBillericayAppointed 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 KLAS Financial

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is KLAS Financial Limited FCA authorised?
KLAS Financial Limited (FRN 1037919) 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 KLAS Financial?
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. KLAS Financial Limited (FRN 1037919) is an AR of First Complete Limited (FRN 435779). When you use KLAS Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from KLAS Financial, 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 KLAS Financial’s phone number?
The FCA register lists the phone number 07737 827665 for KLAS Financial. If you were given different contact details, use these to check with the firm before going any further.
Is KLAS Financial a scam or clone?
KLAS Financial 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 KLAS Financial?
Protection works through First Complete Limited, the principal firm responsible for KLAS Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns KLAS Financial?
Companies House lists one person with significant control of KLAS Financial: Ms Debbie Bowerman (75–100% of shares).
Who runs KLAS Financial?
Companies House lists one director of KLAS Financial: Debbie Bowerman.
How long has KLAS Financial been in business?
The company was formed on 16 June 2025.

Sources and links

The full report on KLAS Financial Limited

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