Lifetime Finance Group Limited

Reference number: 804615

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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.
  • Lifetime Finance Group Limited (FRN 804615) is an AR of First Complete Limited (FRN 435779). When you use Lifetime Finance Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lifetime Finance Group, 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

    0141 773 5203

  • Address

    95 West Regent Street, Glasgow, Lanarkshire, G2 2BA, United Kingdom

In the full report: 2 background checks

  • What kind of line 0141 773 5203 is
  • Who else gives the postcode G2 2BA
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Other names (7)

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

  • Aberdeen Mortgage Company Trading name
  • Lifetime Planning Trading name
  • Super Contractors Trading name
  • Contract Mortgages Former trading name
  • Lifetime Group Former trading name
  • Sport Protect Former trading name
  • This is My Mortgage (TIMM) Former trading name

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
SC589768
Company status
Active
Company type
Private limited company
Incorporated
26 February 2018 (8 years old)
Registered office
95 West Regent Street, Glasgow, G2 2BA, Scotland
Nature of business
  • Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name Role Born Appointed Other companies
Jeremy Paul Gibson Director May 1973 20 Mar 2024 87 other companies
Daniel Richard Mumford Director Nov 1978 30 Apr 2025 5 other companies
Adam James Smith Director Sep 1980 30 Apr 2025 5 other companies
Mayank Prakash Director Jan 1973 21 Oct 2025 57 other companies

Other companies run by these 4 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
92
closed down
16
went insolvent
1

In the full report: all 92 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 37 on the FCA register, including one no longer authorised
  • The 52 companies these 4 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Small company accountsAudited

Net assets

−£38.5k

Up £49.7k from −£88.2k

Cash at bank

£98.8k

+121% from £44.7k

Employees (average)

22

Same as 22

Owed within a year

£166k

+1.1% from £164k

Net assets are negative: on its last balance sheet the company owed £38.5k more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC589768. 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

Lifetime Finance Group’s history from the FCA register and Companies House, newest first.

Key events (7) All events (28)

2021

8 December 2021

  • Donald Scott Kennedy gave up control
  • Pivotal Growth Limited took control (75–100% of shares)

Companies House

2018

7 May 2018

  • Gordon Murray Hunter stopped being a part-owner

Companies House

21 March 2018

  • Became an appointed representative

FCA register

26 February 2018

  • Incorporated at Companies House
  • Donald Scott Kennedy took control (75–100% of shares)
  • Gordon Murray Hunter became a part-owner (25–50% of shares)

Companies House

In the full report: all 28 events

  • All 28 events in its history (7 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Lifetime Finance Group

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

connected firms
6
share a director
3
share its postcode
3

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (3), the same postcode (3)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Lifetime Finance Group

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

In Glasgow

Acumen Financial Services LtdGlasgowAppointed representativeAthena Mortgages LtdGlasgowAppointed representativeBera Financial Services LimitedGlasgowAppointed representativeBlossom Mortgage Services LtdGlasgowAppointed representativeBlue Fish Mortgage Solutions LimitedGlasgowAppointed representativeClear Path Mortgages LimitedGlasgowAppointed 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 Lifetime Finance Group

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

  • 92 other companies its directors have run, named
  • 2 background checks on its contact details
  • 5 years of accounts, charted
  • All 28 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lifetime Finance Group Limited FCA authorised?
Lifetime Finance Group Limited (FRN 804615) 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 Lifetime Finance Group?
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. Lifetime Finance Group Limited (FRN 804615) is an AR of First Complete Limited (FRN 435779). When you use Lifetime Finance Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lifetime Finance Group, 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 Lifetime Finance Group’s phone number?
The FCA register lists the phone number 0141 773 5203 for Lifetime Finance Group. If you were given different contact details, use these to check with the firm before going any further.
Is Lifetime Finance Group a scam or clone?
Lifetime Finance Group 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 Lifetime Finance Group?
Protection works through First Complete Limited, the principal firm responsible for Lifetime Finance Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lifetime Finance Group?
Lifetime Finance Group is owned by Pivotal Growth Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 8 December 2021. Before that, it was controlled by Mr Donald Scott Kennedy and Mr Gordon Murray Hunter.
Who runs Lifetime Finance Group?
Companies House lists 4 directors of Lifetime Finance Group: Jeremy Paul Gibson, Daniel Richard Mumford, Adam James Smith and Mayank Prakash.
How long has Lifetime Finance Group been in business?
The company was formed on 26 February 2018.
What do Lifetime Finance Group’s latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of −£38.5k (up £49.7k from −£88.2k) and cash at bank of £98.8k (+121% from £44.7k).
Does Lifetime Finance Group use any other names?
It trades as Aberdeen Mortgage Company, Lifetime Planning and Super Contractors. It has previously used 4 other names, including Contract Mortgages, Lifetime Group and Sport Protect.

Sources and links

The full report on Lifetime Finance Group Limited

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