Lime Tree FS (Cambridge) Ltd

Reference number: 955005

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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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Lime Tree FS (Cambridge) Ltd (FRN 955005) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Lime Tree FS (Cambridge)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lime Tree FS (Cambridge), 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

    01223 266140

  • Address

    Unit 4 Trust Court, Histon, Cambridge, CB24 9PW, United Kingdom

In the full report: 2 background checks

  • What kind of line 01223 266140 is
  • Who else gives the postcode CB24 9PW
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
13260889
Company status
Active
Company type
Private limited company
Incorporated
11 March 2021 (5 years old)
Registered office
4 Trust Court, Histon, Cambridge, Cambridgeshire, CB24 9PW, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Julian Philip Nicolls Director Sep 1973 24 Apr 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

£11.2k

−82% from £63.7k

Cash at bank

£12.3k

−91% from £144k

Employees (average)

0

−100% from 11

Owed within a year

£48.1k

−40% from £79.8k

Total equity

In the full report: all 4 years of accounts

  • Every year from 2022 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.

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

Accounts filed at Companies House for company 13260889. 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

Lime Tree FS (Cambridge)’s history from the FCA register and Companies House, newest first.

Key events (8) All events (20)

2025

13 March 2025

  • Kenneth Curtis no longer has significant control

Companies House

2024

8 February 2024

  • Kenneth Curtis gained significant control

Companies House

23 January 2024

  • Katie Hammond gained significant control

Companies House

2023

30 October 2023

  • Board replaced: its only director left and 2 new directors took over
  • Sian Hammond gave up control

Companies House

2021

18 July 2021

  • Became an appointed representative

FCA register

11 March 2021

  • Incorporated at Companies House
  • Sian Hammond took control (75–100% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (8 shown here)
  • Every director appointment and resignation: 12
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Firms like Lime Tree FS (Cambridge)

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

In the Cambridge (CB) postcode area

AIA (Cambridge) LimitedCambridgeAppointed representativeAptus Capital LtdSaffron WaldenAppointed representativeAptus Capital Mortgage Group LtdSaffron WaldenAppointed representativeAstrd One LtdCambridgeAppointed representativeBlenheim InvestmentsElyAppointed representativeBuzz Mortgages LimitedElyAppointed 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 Lime Tree FS (Cambridge)

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
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Lime Tree FS (Cambridge) Ltd FCA authorised?
Lime Tree FS (Cambridge) Ltd (FRN 955005) 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 Lime Tree FS (Cambridge)?
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. Lime Tree FS (Cambridge) Ltd (FRN 955005) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Lime Tree FS (Cambridge)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lime Tree FS (Cambridge), 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 Lime Tree FS (Cambridge)’s phone number?
The FCA register lists the phone number 01223 266140 for Lime Tree FS (Cambridge). If you were given different contact details, use these to check with the firm before going any further.
Is Lime Tree FS (Cambridge) a scam or clone?
Lime Tree FS (Cambridge) 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 Lime Tree FS (Cambridge)?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Lime Tree FS (Cambridge)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lime Tree FS (Cambridge)?
Companies House lists one person with significant control of Lime Tree FS (Cambridge): Miss Katie Hammond (significant influence or control). Before that, it was controlled by Mrs Sian Hammond and Mr Kenneth Curtis.
Who runs Lime Tree FS (Cambridge)?
Companies House lists one director of Lime Tree FS (Cambridge): Julian Philip Nicolls.
How long has Lime Tree FS (Cambridge) been in business?
The company was formed on 11 March 2021.
What do Lime Tree FS (Cambridge)’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £11.2k (−82% from £63.7k) and cash at bank of £12.3k (−91% from £144k).

Sources and links

The full report on Lime Tree FS (Cambridge) Ltd

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