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.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2025
- Accounts filed up to 31 May 2026
Responsible principal firm
The Lending Channel Ltd Reference number: 626787 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.
- McMaster Finance Ltd (FRN 1054501) is an AR of The Lending Channel Ltd (FRN 626787). When you use McMaster Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from McMaster 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.
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No website on the FCA register
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Phone number
-
Address
11 Albany Street, Dunfermline, Fife, KY12 0QZ, United Kingdom
In the full report: 2 background checks
- What kind of line 07815 959656 is, and the other firm that gives it
- Who else gives the postcode KY12 0QZ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Lending Channel 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, freeYou 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
- SC847563 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 May 2025 (1 year old)
- Registered office
- 5 Whitefriars Crescent, Perth, PH2 0PA, Scotland
- Nature of business
-
- Other professional, scientific and technical activities not elsewhere classified (SIC 74909)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Mcmaster | Director | Mar 1985 | 6 May 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£151
No earlier figure to compare
Owed within a year
£18.2k
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 SC847563. Figures are exactly as filed; nothing is estimated.
Key dates in its history
McMaster Finance’s history from the FCA register and Companies House, newest first.
2026
8 May 2026
- Became an appointed representative
FCA register
2025
6 May 2025
- Incorporated at Companies House
- Christopher McMaster took control (75–100% of shares)
- Christopher McMaster appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to McMaster Finance
Other FCA-listed firms that share a director, phone number or address with McMaster Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its phone number
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like McMaster Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Dunfermline
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 McMaster 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
- All 4 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for McMaster Finance?
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Is McMaster Finance a scam or clone?
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Who owns McMaster Finance?
Who runs McMaster Finance?
How long has McMaster Finance been in business?
What do McMaster Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk