Lowe Financial Solutions Ltd

Reference number: 1022450

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Lowe Financial Solutions Ltd (FRN 1022450) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Lowe Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lowe Financial Solutions, 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

    07939 135497

  • Address

    28 Glendale Close, Wistaston, Crewe, Cheshire East, CW2 8QE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07939 135497 is
  • Who else gives the postcode CW2 8QE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
15981609
Company status
Active
Company type
Private limited company
Incorporated
26 September 2024 (2 years old)
Registered office
28 Glendale Close, Wistaston, Crewe, CW2 8QE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Emma Jayne Lowe Director Jul 1993 26 Sep 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£6,302

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£29.6k

No earlier figure to compare

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 15981609. 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

Lowe Financial Solutions’s history from the FCA register and Companies House, newest first.

2024

27 November 2024

  • Became an appointed representative
  • Began trading as "Lowe Financial Solutions"

FCA register

26 September 2024

  • Incorporated at Companies House
  • Emma Jayne Lowe took control (75–100% of shares)
  • Emma Jayne Lowe appointed as a director

Companies House

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

Firms like Lowe Financial Solutions

Other firms of the same type (financial adviser), nearest first.

In Crewe

Banks Sheridan Wealth LtdCreweAppointed representativeColin IlesCreweAppointed representativeMacon Financial Planning LimitedCreweAppointed representativeHWIFM LtdCreweAuthorisedLifewing Consultants LimitedCreweAuthorisedPersonal Financial Planning LimitedCreweAuthorised

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 Lowe Financial Solutions

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
  • All 5 events in its history

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Frequently asked questions about this firm

Is Lowe Financial Solutions Ltd FCA authorised?
Lowe Financial Solutions Ltd (FRN 1022450) 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 Lowe Financial Solutions?
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. Lowe Financial Solutions Ltd (FRN 1022450) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Lowe Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lowe Financial Solutions, 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 Lowe Financial Solutions’ phone number?
The FCA register lists the phone number 07939 135497 for Lowe Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Lowe Financial Solutions a scam or clone?
Lowe Financial Solutions 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 Lowe Financial Solutions?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Lowe Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lowe Financial Solutions?
Companies House lists one person with significant control of Lowe Financial Solutions: Miss Emma Jayne Lowe (75–100% of shares).
Who runs Lowe Financial Solutions?
Companies House lists one director of Lowe Financial Solutions: Emma Jayne Lowe.
How long has Lowe Financial Solutions been in business?
The company was formed on 26 September 2024.
What do Lowe Financial Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £6,302 (no earlier figure to compare).

Sources and links

The full report on Lowe Financial Solutions Ltd

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