LTW Finance Ltd

Reference number: 1004641

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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

First Complete Limited Reference number: 435779 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.
  • LTW Finance Ltd (FRN 1004641) is an AR of First Complete Limited (FRN 435779). When you use LTW Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from LTW 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

    07377 188474

  • Address

    13 Hammond Way, Attleborough, Norfolk, NR17 2RQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07377 188474 is
  • Who else gives the postcode NR17 2RQ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete Limited, 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
12680947
Company status
Active
Company type
Private limited company
Incorporated
18 June 2020 (6 years old)
Registered office
Rose Cottage Wickham Road, Cotton, Stowmarket, IP14 4QP, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Sophie Jayne Lowndes-Toole Director May 1990 18 Jun 2020 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£3,245

Down £3,299 from £54

Cash at bank

£68

Down £169 from £237

Employees (average)

1

Same as 1

Net assets are negative: on its last balance sheet the company owed £3,245 more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 12680947. 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

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

Key events (5) All events (8)

2023

15 November 2023

  • Became an appointed representative

FCA register

2021

22 October 2021

  • Harriet Elizabeth Louise Wells stopped being a part-owner

Companies House

2020

18 June 2020

  • Incorporated at Companies House
  • Harriet Elizabeth Louise Wells became a part-owner (25–50% of shares)
  • Sophie Jayne Lowndes-Toole took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like LTW Finance

Other firms of the same type (insurance broker), nearest first.

In Attleborough

Activate Ins LimitedAttleboroughAuthorisedProperly Protected LimitedAttleboroughAuthorised

In the Norwich (NR) postcode area

Anglian Health LtdDerehamAppointed representativeRebecca HowardDerehamAppointed representativeAnglian Mortgages LtdNorwichAppointed representativeArnolds Keys LLPNorwichAppointed 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 LTW Finance

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
  • 5 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is LTW Finance Ltd FCA authorised?
LTW Finance Ltd (FRN 1004641) 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 LTW 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. LTW Finance Ltd (FRN 1004641) is an AR of First Complete Limited (FRN 435779). When you use LTW Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from LTW 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 LTW Finance’s phone number?
The FCA register lists the phone number 07377 188474 for LTW Finance. If you were given different contact details, use these to check with the firm before going any further.
Is LTW Finance a scam or clone?
LTW 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 LTW Finance?
Protection works through First Complete Limited, the principal firm responsible for LTW Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns LTW Finance?
Companies House lists one person with significant control of LTW Finance: Miss Sophie Jayne Lowndes-Toole (75–100% of shares). Before that, it was controlled by Miss Harriet Elizabeth Louise Wells.
Who runs LTW Finance?
Companies House lists one director of LTW Finance: Sophie Jayne Lowndes-Toole.
How long has LTW Finance been in business?
The company was formed on 18 June 2020.
What do LTW Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£3,245 (down £3,299 from £54) and cash at bank of £68 (down £169 from £237).

Sources and links

The full report on LTW Finance Ltd

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