Lowes Financial Management Limited

Reference number: 114650

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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.

  • Website

    Lowes.co.uk

  • Phone number

    01489 663700

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Saltus Financial Planning, 4500 Parkway, Whiteley, Fareham, Hampshire, PO15 7AZ, United Kingdom

In the full report: 3 background checks

  • When lowes.co.uk first appeared online, and whether it can receive email
  • What kind of line 01489 663700 is, and the 3 other firms that give it
  • Who else gives the postcode PO15 7AZ
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Other names (8)

If you were contacted under any of these names, it is this firm.

  • 10:10 Invest Trading name
  • CompareStructuredProducts.Com Trading name
  • DefinedInvestments.co.uk Trading name
  • Lowes Structured Investment Centre Trading name
  • Pattinson Wealth Trading name
  • SP-Perspective.Com Trading name
  • StructuredProductReview.Com Trading name
  • Kenneth J. Lowes Estate Planning & Investment Services Limited Former name

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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • 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
01115681
Company status
Active
Company type
Private limited company
Incorporated
29 May 1973 (53 years old)
Registered office
4500 Parkway, Whiteley, Fareham, PO15 7AZ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Edwards Director Mar 1974 31 Jan 2025 15 other companies
Daniel Underwood Director May 1983 31 Jan 2025 2 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
15
closed down
1
are FCA-registered
10

In the full report: all 15 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 10 on the FCA register, including 2 no longer authorised
  • The 2 companies these 2 directors run together
  • All 16 people who have ever been directors, with their dates
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Key dates in its history

Lowes Financial Management’s history from the FCA register and Companies House, newest first.

Key events (9) All events (49)

2025

31 March 2025

  • Lowes Group PLC gave up control
  • Saltus Financial Planning Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Lowes Group PLC took control (75–100% of shares)

Companies House

2015

6 January 2015

  • Changed its registered name from "Kenneth J. Lowes Estate Planning & Investment Services Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

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

FCA register

1996

5 September 1996

  • Regulated by the Personal Investment Authority from this date

FCA register

1973

29 May 1973

  • Incorporated at Companies House

Companies House

In the full report: all 49 events

  • All 49 events in its history (9 shown here)
  • Every director appointment and resignation: 29
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Firms connected to Lowes Financial Management

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

connected firms
11
no longer authorised
1
share a director
10

In the full report: all 11 connected firms, named

  • How each is linked: shared directors (10), the same phone number (3), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Lowes Financial Management

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

In Fareham

Bespoke Wealth LimitedFarehamAuthorisedCooper Maverick LLPFarehamAuthorisedDavid Winter Independent Financial Advisers LimitedFarehamAuthorisedDeep Blue Financial LimitedFarehamAuthorisedGarwood Wealth Management LimitedFarehamAuthorisedGreenspace Sustainable Financial Planning LtdFarehamAuthorised

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 Lowes Financial Management

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 49 events in its history
  • 11 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lowes Financial Management Limited FCA authorised?
Yes, Lowes Financial Management Limited (FRN 114650) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Lowes Financial Management’s phone number and website?
The FCA register lists the phone number 01489 663700 and the website Lowes.co.uk for Lowes Financial Management. 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 3 other FCA firms, one of which is no longer authorised.
Is Lowes Financial Management a scam or clone?
Lowes Financial Management 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 Lowes Financial Management?
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 Lowes Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Lowes Financial Management?
Lowes Financial Management is owned by Saltus Financial Planning Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 March 2025. Before that, it was controlled by Lowes Group PLC.
Who runs Lowes Financial Management?
Companies House lists 2 directors of Lowes Financial Management: Jason Edwards and Daniel Underwood.
How long has Lowes Financial Management been in business?
The company was formed on 29 May 1973, and has held its current FCA authorisation since December 2001.
Does Lowes Financial Management use any other names?
It trades as 10:10 Invest, CompareStructuredProducts.Com, DefinedInvestments.co.uk, Lowes Structured Investment Centre and Pattinson Wealth, and 2 more names. It has previously used the name Kenneth J. Lowes Estate Planning & Investment Services Limited.

Sources and links

The full report on Lowes Financial Management Limited

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