LowRateCarFinance Limited

Reference number: 963856

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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.

In the full report: 3 background checks

  • When lowratecarfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0117 235 8727 is
  • Who else gives the postcode BS21 6RY
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Other names (6)

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

  • 365AF Trading name
  • 365AssetFinance Trading name
  • 365Vans Trading name
  • SMC Commercials Trading name
  • Somerset Motor Company Trading name
  • VanBrokerUK Trading name

FCA permissions and consumer protection

  • 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
13701190
Company status
Active
Company type
Private limited company
Incorporated
25 October 2021 (5 years old)
Registered office
Long Barn 2 Folly Farm, Tickenham, Clevedon, BS21 6RY, England
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Dean Andrew Bray Director Nov 1986 25 Oct 2021 None
Jamie Haring Director Apr 1994 25 Oct 2021 1 other company
Jamie-George Marsh Director Sep 1990 19 Nov 2024 None
Scott Wilson Director Jun 1975 19 Nov 2024 2 other companies

Other companies run by these 4 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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 October 2025Abridged accountsNot audited

Net assets

£844k

+303% from £209k

Cash at bank

£633k

+139% from £265k

Employees (average)

16

+220% from 5

Owed within a year

£1.60m

+158% from £620k

Assets and liabilities

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 13701190. 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

LowRateCarFinance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (22)

2024

1 May 2024

  • Dean Andrew Bray no longer has significant control
  • Jamie Haring no longer has significant control
  • Jamie Haring stopped being a part-owner

Companies House

2022

31 March 2022

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2021

25 October 2021

  • Incorporated at Companies House
  • Dean Andrew Bray gained significant control
  • Jamie Haring became a part-owner (25–50% of shares)
  • Jamie Haring gained significant control

Companies House

In the full report: all 22 events

  • All 22 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms like LowRateCarFinance

Other firms of the same type (car dealer), nearest first.

In Clevedon

Car Imports Direct LtdClevedonAuthorisedSimply Surf Bus LimitedClevedonAuthorisedTJSH LimitedClevedonAuthorisedClevedon Garages LimitedClevedonAppointed 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 LowRateCarFinance

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is LowRateCarFinance Limited FCA authorised?
Yes, LowRateCarFinance Limited (FRN 963856) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2022 and works as a car dealer. The FCA has placed no limits on its permissions.
What is LowRateCarFinance’s phone number and website?
The FCA register lists the phone number 0117 235 8727 and the website lowratecarfinance.co.uk for LowRateCarFinance. If you were given different contact details, use these to check with the firm before going any further.
Is LowRateCarFinance a scam or clone?
LowRateCarFinance 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 LowRateCarFinance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how LowRateCarFinance handles your money, so check the specific product before you commit. You can also refer complaints about LowRateCarFinance to the Financial Ombudsman Service, free of charge.
Who owns LowRateCarFinance?
Companies House lists no one with significant control of LowRateCarFinance now. Before that, it was controlled by Mr Dean Andrew Bray and Mr Jamie Haring.
Who runs LowRateCarFinance?
Companies House lists 4 directors of LowRateCarFinance: Dean Andrew Bray, Jamie Haring, Jamie-George Marsh and Scott Wilson.
How long has LowRateCarFinance been in business?
The company was formed on 25 October 2021, and has held its current FCA authorisation since March 2022.
What do LowRateCarFinance’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £844k (+303% from £209k) and cash at bank of £633k (+139% from £265k).
Does LowRateCarFinance use any other names?
It trades as 365AF, 365AssetFinance, 365Vans, SMC Commercials and Somerset Motor Company, and 1 more names.

Sources and links

The full report on LowRateCarFinance Limited

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