Loan.co.uk Limited
Reference number: 718486
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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Website
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Phone number
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Address
46 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ, United Kingdom
In the full report: 3 background checks
- When loan.co.uk first appeared online, and whether it can receive email
- What kind of line 01202 125975 is
- Who else gives the postcode SS1 1BJ
Other names (3)
If you were contacted under any of these names, it is this firm.
- Only Bridging Former trading name: A name it used to trade under.
- Only Bridging & Loans Former trading name: A name it used to trade under.
- Only Bridging & Mortgages Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (2)
- 020 3286 6350
- 020 3287 7886
The FCA warning these came from
- Loan.co.uk Lltd 12 September 2023
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Dealing in investments as agent
- Debt Adjusting
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
- Providing Credit Information Services
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 05455171 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 May 2005 (21 years old)
- Registered office
- 46 Alexandra Street, Southend On Sea, SS1 1BJ, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Simon Mcgerrigan | Director | Jul 1973 | 23 Apr 2013 | 12 other companies |
| Craig Peter Lewis | Director | Jun 1971 | 6 Apr 2025 | None |
| Tamsin Golder | Director | May 1981 | 10 Feb 2026 | 1 other company |
Other companies run by these 3 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
- 13
- closed down
- 7
- still active
- 6
In the full report: all 13 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£1.11m
Up £1.10m from £6,193
Net assets
£5.98m
−12% from £6.79m
Cash at bank
£1.08m
+28% from £844k
Owed within a year
£1.96m
−7.2% from £2.11m
The accounts for the year to 31 May 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £10.0m, for the year to 31 May 2022.
Profit before tax
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- Both charts, 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.
Accounts filed at Companies House for company 05455171. 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
Loan.co.uk’s history from the FCA register and Companies House, newest first.
2023
12 September 2023
- FCA warned the public about a scam impersonating this firm
FCA warning list
2021
30 June 2021
- Paul Simon McGerrigan stopped being a part-owner
Companies House
2017
20 February 2017
- Marc James Bertola took control (75–100% of shares)
Companies House
2016
31 August 2016
- Paul Simon McGerrigan became a part-owner (25–50% of shares)
Companies House
25 May 2016
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2009
26 May 2009
- Board replaced: its only director left and a new director took over
Companies House
2005
17 May 2005
- Incorporated at Companies House
Companies House
In the full report: all 29 events
- All 29 events in its history (8 shown here)
- Every director appointment and resignation: 13
Firms connected to Loan.co.uk
Other FCA-listed firms that share a director, phone number or address with Loan.co.uk. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Loan.co.uk
Other firms of the same type (mortgage adviser or broker), nearest first.
In Southend-on-Sea
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 Loan.co.uk
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 13 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 29 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Loan.co.uk Limited FCA authorised?
What is Loan.co.uk’s phone number and website?
Is Loan.co.uk a scam or clone?
Is my money safe with Loan.co.uk?
Who owns Loan.co.uk?
Who runs Loan.co.uk?
How long has Loan.co.uk been in business?
What do Loan.co.uk’s latest accounts show?
Does Loan.co.uk use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: Loan.co.uk Lltd fca.org.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk