Later Life Finance Limited

Reference number: 959556

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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, 1 thing worth a closer look

  • When later-life-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07816 061170 is
  • Who else gives the postcode LS21 3JP
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Other names (4)

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

  • Compare my equity Trading name
  • Compare My Equity Release Trading name
  • London Equity Release Trading name
  • Trust In Equity Release Trading name

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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (3 permissions)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to regulated mortgage contracts

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
09320116
Company status
Active
Company type
Private limited company
Incorporated
20 November 2014 (11 years old)
Registered office
78 - 80 Pegholme Wharfebank Mills, Ilkley Road, Otley, LS21 3JP, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Matthew Murphy Director Jul 1981 20 Nov 2014 None
Sarah Elizabeth Murphy Director May 1986 2 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£134k

+37% from £97.8k

Employees (average)

2

Same as 2

Owed within a year

£27.2k

+210% from £8,783

No turnover or profit for the year to 31 March 2025: the accounts print them but do not tag them. The last tagged figures are £256k turnover and £170k profit, for the year to 31 March 2022.

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.

Accounts filed at Companies House for company 09320116. 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

Later Life Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (13)

2022

23 September 2022

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

20 November 2016

  • Paul Matthew Murphy took control (75–100% of shares)

Companies House

2014

20 November 2014

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Later Life Finance

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Later Life Finance

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

In Otley

T&c Financial Services LimitedOtleyAuthorised

In the Leeds (LS) postcode area

2M Financial Services LtdLeedsAuthorisedAge Partnership LimitedLeedsAuthorisedBluegate Finance LtdLeedsAuthorisedCompare Retirement LimitedLeedsAuthorisedEquity Release Associates LimitedLeedsAuthorised

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 Later Life Finance

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
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 13 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Later Life Finance Limited FCA authorised?
Yes, Later Life Finance Limited (FRN 959556) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2022 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Later Life Finance’s phone number and website?
The FCA register lists the phone number 07816 061170 and the website later-life-finance.co.uk/best-equity-release-companies for Later Life Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Later Life Finance a scam or clone?
Later Life Finance 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 Later Life Finance?
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 Later Life Finance to the Financial Ombudsman Service, free of charge.
Who owns Later Life Finance?
Companies House lists one person with significant control of Later Life Finance: Mr Paul Matthew Murphy (75–100% of shares).
Who runs Later Life Finance?
Companies House lists 2 directors of Later Life Finance: Paul Matthew Murphy and Sarah Elizabeth Murphy.
How long has Later Life Finance been in business?
The company was formed on 20 November 2014, and has held its current FCA authorisation since September 2022.
What do Later Life Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £134k (+37% from £97.8k).
Does Later Life Finance use any other names?
It trades as Compare my equity, Compare My Equity Release, London Equity Release and Trust In Equity Release.

Sources and links

The full report on Later Life Finance Limited

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