Later Life Property Finance Limited: FCA regulated?

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.

Appointed for 2 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 30 November 2025
On its latest accounts it owed £2,820 more than it owned
1 thing worth a closer look in the background checks

Responsible principal firm

International Property Finance Limited Reference number: 915694 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 Property Finance Limited (FRN 1006554) is an AR of International Property Finance Limited (FRN 915694). When you use Later Life Property Finance's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Later Life Property Finance, 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

01935 722920
Address

20 Wenlock Road, London, N1 7GU, United Kingdom

In the full report: 2 background checks, 1 thing worth a closer look

What kind of line 01935 722920 is, and the other firm that gives it
Whether N1 7GU is a shared office: 88 other firms give it

FCA permissions and consumer protection

Protection through the principal firm
Protection works through International Property Finance 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: 14501270 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 November 2022 (3 years old)
Registered office: 20 Wenlock Road, London, N1 7GU, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Donna Marie Spencer	Director	Oct 1973	23 Nov 2022	None
Iain Swatton	Director	Aug 1965	15 Nov 2023	4 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: 4
closed down: 2
is FCA-registered: 1

In the full report: all 4 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 one on the FCA register

Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

−£2,820

Down £1,724 from −£1,096

Cash at bank

£2,930

−79% from £14.1k

Employees (average)

2

Same as 2

Net assets are negative: on its last balance sheet the company owed £2,820 more than it owned.

Assets and liabilities

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 14501270. 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 Property Finance’s history from the FCA register and Companies House, newest first.

2024

6 February 2024

Became an appointed representative

FCA register

2023

15 November 2023

Iain Swatton became a part-owner (25–50% of shares)
Iain Swatton appointed as a director

Companies House

2022

23 November 2022

Incorporated at Companies House
Donna Marie Spencer became a part-owner (25–50% of shares)
Donna Marie Spencer appointed as a director

Companies House

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

Firms connected to Later Life Property Finance

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Later Life Property Finance

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

In London

Purplebricks Mortgages LimitedLondonAppointed representative David RounsfellLondonAppointed representative Ema Private Finance LimitedLondonAppointed representative Harris ZubairLondonAppointed representative Heather MaCaskillLondonAppointed representative Lawrence BolarinwaLondonAppointed 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 Property Finance

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

4 other companies its directors have run, named
2 background checks on its contact details, 1 flagged
All 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Later Life Property Finance Limited FCA authorised?

Later Life Property Finance Limited (FRN 1006554) 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 Property Finance?

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 Property Finance Limited (FRN 1006554) is an AR of International Property Finance Limited (FRN 915694). When you use Later Life Property Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Later Life Property Finance, 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 Property Finance’s phone number?

The FCA register lists the phone number 01935 722920 for Later Life Property Finance. 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 Property Finance a scam or clone?

Later Life Property 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 Property Finance?

Protection works through International Property Finance Limited, the principal firm responsible for Later Life Property Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Later Life Property Finance?

Companies House lists 2 people with significant control of Later Life Property Finance: Mr Iain Swatton (25–50% of shares) and Ms Donna Marie Spencer (25–50% of shares).

Who runs Later Life Property Finance?

Companies House lists 2 directors of Later Life Property Finance: Donna Marie Spencer and Iain Swatton.

How long has Later Life Property Finance been in business?

The company was formed on 23 November 2022.

What do Later Life Property Finance’s latest accounts show?

Its latest accounts, to 30 November 2025, show net assets of −£2,820 (down £1,724 from −£1,096) and cash at bank of £2,930 (−79% from £14.1k).