Lifetime Mortgages & Finance Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 2003
Accounts filed up to 31 December 2025

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.

Website

lmandf.co.uk (opens in a new tab)
Phone number

01707 879090
Address

66 New Park Road, Newgate Street, Hertford, Herts, SG13 8RF, United Kingdom

In the full report: 3 background checks

When lmandf.co.uk first appeared online, and whether it can receive email
What kind of line 01707 879090 is
Who else gives the postcode SG13 8RF

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.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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 (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: 04816365 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 July 2003 (23 years old)
Registered office: 66 New Park Road, Newgate Street, Hertford, Hertfordshire, SG13 8RF, United Kingdom
Nature of business: Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael Nicholas Hoare	Director	Dec 1968	1 Jul 2003	3 other companies
Julie Ann Hoare	Director	Dec 1968	1 Nov 2004	1 other company
Julie Ann Hoare	Secretary	Not published	1 Jul 2003	1 other company

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: 3
closed down: 3
run together: 1

In the full report: all 3 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 1 company these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£441

Down £138 from £579

Cash at bank

£11.3k

−30% from £16.3k

Employees (average)

2

−33% from 3

Owed within a year

£14.2k

−28% from £19.7k

Net assets

In the full report: all 7 years of accounts

Every year from 2019 to 2025
The chart, over every year
Every filed figure, year by year

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 04816365. 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 Mortgages & Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2016

1 July 2016

Julie Ann Hoare became a part-owner (25–50% of shares)
Michael Nicholas Hoare became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2004

31 October 2004

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

2003

1 July 2003

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms like Lifetime Mortgages & Finance

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

In Hertford

Amber Mortgage Solutions LimitedHertfordAuthorised Carlton Rhodes Associates LimitedHertfordAuthorised Clever Financial Solutions LimitedHertfordAuthorised Nicholas James Mortgage & Financial Services LtdHertfordAuthorised Protego Mortgage Planning LimitedHertfordAuthorised Best Health Protect LtdHertfordAppointed 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 Mortgages & Finance

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

3 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 10 events in its history

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Frequently asked questions about this firm

Is Lifetime Mortgages & Finance Limited FCA authorised?

Yes, Lifetime Mortgages & Finance Limited (FRN 300613) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Lifetime Mortgages & Finance’s phone number and website?

The FCA register lists the phone number 01707 879090 and the website lmandf.co.uk for Lifetime Mortgages & Finance. If you were given different contact details, use these to check with the firm before going any further.

Is Lifetime Mortgages & Finance a scam or clone?

Lifetime Mortgages & 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 Lifetime Mortgages & 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 Lifetime Mortgages & Finance to the Financial Ombudsman Service, free of charge.

Who owns Lifetime Mortgages & Finance?

Companies House lists 2 people with significant control of Lifetime Mortgages & Finance: Mr Michael Nicholas Hoare (25–50% of shares) and Mrs Julie Ann Hoare (25–50% of shares).

Who runs Lifetime Mortgages & Finance?

Companies House lists 2 directors of Lifetime Mortgages & Finance: Michael Nicholas Hoare and Julie Ann Hoare.

How long has Lifetime Mortgages & Finance been in business?

The company was formed on 1 July 2003, and has held its current FCA authorisation since October 2004.

What do Lifetime Mortgages & Finance’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £441 (down £138 from £579) and cash at bank of £11.3k (−30% from £16.3k).