Later Life Ltd

Reference number: 981768

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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

Mortgage Advice Bureau (Derby) Limited Reference number: 466154 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.
  • Later Life Ltd (FRN 981768) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Later Life's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Later Life, 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

    01253 894050

  • Address

    Later Life Ltd, 21 Hall Green, Upholland, Skelmersdale, Lancashire, WN8 0PB, United Kingdom

In the full report: 2 background checks

  • What kind of line 01253 894050 is, and the other firm that gives it
  • Who else gives the postcode WN8 0PB
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Other names (1)

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

  • MAB Later Life Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau (Derby) 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
14214247
Company status
Active
Company type
Private limited company
Incorporated
4 July 2022 (4 years old)
Registered office
21 Hall Green, Upholland, Skelmersdale, WN8 0PB, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen James Kay-Jones Director Jun 1965 4 Jul 2022 2 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
2
closed down
1
is FCA-registered
1

In the full report: all 2 companies, 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£993

Up £138 from £855

Employees (average)

2

Same as 2

Owed within a year

£63.9k

+276% from £17.0k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 14214247. 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’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2025

27 July 2025

  • Alan Lyne stopped being a part-owner

Companies House

2022

25 August 2022

  • Became an appointed representative

FCA register

4 July 2022

  • Incorporated at Companies House
  • Alan Lyne became a part-owner (25–50% of shares)
  • Stephen James Kay-Jones took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Later Life

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

connected firms
2
share its phone number
1
share its postcode
1

In the full report: all 2 connected firms, named

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

Firms like Later Life

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

In Skelmersdale

Andrea LiderthSkelmersdaleAppointed representativeAntony Flynn LimitedSkelmersdaleAppointed representativeEdgehill Property Finance LtdSkelmersdaleAppointed representativePNL Solutions LimitedSkelmersdaleAppointed 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 Later Life

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

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

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Frequently asked questions about this firm

Is Later Life Ltd FCA authorised?
Later Life Ltd (FRN 981768) 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 Later Life?
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. Later Life Ltd (FRN 981768) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Later Life's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Later Life, 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 Later Life’s phone number?
The FCA register lists the phone number 01253 894050 for Later Life. 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 Later Life a scam or clone?
Later Life 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?
Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for Later Life's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Later Life?
Companies House lists one person with significant control of Later Life: Stephen James Kay-Jones (75–100% of shares). Before that, it was controlled by Alan Lyne.
Who runs Later Life?
Companies House lists one director of Later Life: Stephen James Kay-Jones.
How long has Later Life been in business?
The company was formed on 4 July 2022.
What do Later Life’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £993 (up £138 from £855).
Does Later Life use any other names?
It trades as MAB Later Life.

Sources and links

The full report on Later Life Ltd

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