Low Carbon Construction Finance Ltd

Reference number: 791691

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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

Charles Louis Mortgage Advisers Ltd Reference number: 759660 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.
  • Low Carbon Construction Finance Ltd (FRN 791691) is an AR of Charles Louis Mortgage Advisers Ltd (FRN 759660). When you use Low Carbon Construction Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Low Carbon Construction 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

    0161 959 0166

  • Address

    4 Bolton Street, Ramsbottom, Bury, Greater Manchester, BL0 9HX, United Kingdom

In the full report: 2 background checks

  • What kind of line 0161 959 0166 is, and the other firm that gives it
  • Who else gives the postcode BL0 9HX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Charles Louis Mortgage Advisers Ltd, 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 name
LOW CARBON CONSTRUCTION FINANCE LIMITED
Company number
10840987
Company status
Active
Company type
Private limited company
Incorporated
28 June 2017 (9 years old)
Registered office
Low Carbon House Court Lane Business Park,, Court Lane, Sopley, Hampshire, BH23 7BN, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Bridgette Maria Farrow Director Feb 1969 28 Jun 2017 20 other companies
Michael David Cookson Director Feb 1979 1 Nov 2017 6 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
26
closed down
6
went insolvent
1

In the full report: all 26 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Total equity

−£4,230

Same as −£4,230

Owed within a year

£4,330

Same as £4,330

Total equity is negative: on its last balance sheet the company owed £4,230 more than it owned.

Total equity

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
Instant PDF download
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 10840987. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Low Carbon Construction Finance’s history from the FCA register and Companies House, newest first.

2019

18 July 2019

  • Georgina Sillence became a part-owner (25–50% of shares)

Companies House

2017

1 November 2017

  • Michael David Cookson appointed as a director

Companies House

17 October 2017

  • Became an appointed representative

FCA register

28 June 2017

  • Incorporated at Companies House
  • Bridgette Maria Farrow became a part-owner (25–50% of shares)
  • Bridgette Maria Farrow appointed as a director

Companies House

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

Firms connected to Low Carbon Construction Finance

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

connected firms
3
share its phone number
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Low Carbon Construction Finance

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

In Bury

Anita Staley MortgagesBuryAppointed representativeBG Mortgages LtdBuryAppointed representativeCarla EarnshawBuryAppointed representativeJFS Mortgage Services LimitedBuryAppointed representativeLyons Mortgage Services LtdBuryAppointed representativePhilippe Daniel AdsheadBuryAppointed 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 Low Carbon Construction Finance

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

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

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Frequently asked questions about this firm

Is Low Carbon Construction Finance Ltd FCA authorised?
Low Carbon Construction Finance Ltd (FRN 791691) 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 Low Carbon Construction 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. Low Carbon Construction Finance Ltd (FRN 791691) is an AR of Charles Louis Mortgage Advisers Ltd (FRN 759660). When you use Low Carbon Construction Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Low Carbon Construction 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 Low Carbon Construction Finance’s phone number?
The FCA register lists the phone number 0161 959 0166 for Low Carbon Construction 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 Low Carbon Construction Finance a scam or clone?
Low Carbon Construction 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 Low Carbon Construction Finance?
Protection works through Charles Louis Mortgage Advisers Ltd, the principal firm responsible for Low Carbon Construction Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Low Carbon Construction Finance?
Companies House lists 2 people with significant control of Low Carbon Construction Finance: Miss Georgina Sillence (25–50% of shares) and Mrs Bridgette Maria Farrow (25–50% of shares).
Who runs Low Carbon Construction Finance?
Companies House lists 2 directors of Low Carbon Construction Finance: Bridgette Maria Farrow and Michael David Cookson.
How long has Low Carbon Construction Finance been in business?
The company was formed on 28 June 2017.
What do Low Carbon Construction Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of −£4,230 (same as −£4,230).

Sources and links

The full report on Low Carbon Construction Finance Ltd

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