Melton Financial Ltd

Reference number: 1001311

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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.
  • Melton Financial Ltd (FRN 1001311) is an AR of First Complete Limited (FRN 435779). When you use Melton Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Melton Financial, 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

    01661 679016

  • Address

    Coates Institute, 1 Main Street, Ponteland, Newcastle upon Tyne, NE20 9NH, United Kingdom

In the full report: 2 background checks

  • What kind of line 01661 679016 is
  • Who else gives the postcode NE20 9NH
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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
14747809
Company status
Active
Company type
Private limited company
Incorporated
22 March 2023 (3 years old)
Registered office
125 St. Georges Terrace, Jesmond, Newcastle Upon Tyne, NE2 2DN, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Kieran Francis Joseph O'Moore Director Jun 1987 22 Mar 2023 None
Jonathan Charles Ryan Director Aug 1987 22 Mar 2023 3 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
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 2 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 March 2025Small company accountsNot audited

Total equity

−£17.5k

Down £4,188 from −£13.3k

Cash at bank

£8,224

Up £7,401 from £823

Employees (average)

2

+100% from 1

Owed within a year

£26.9k

+81% from £14.9k

Total equity is negative: on its last balance sheet the company owed £17.5k more than it owned.

Total equity

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 14747809. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (3) All events (6)

2023

12 September 2023

  • Became an appointed representative

FCA register

22 March 2023

  • Incorporated at Companies House
  • Jonathan Charles Ryan took control (75–100% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Melton Financial

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Melton Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Newcastle (NE) postcode area

1-2-1 Mortgages LtdSouth ShieldsAppointed representativeA Vickers LtdNewcastle Upon TyneAppointed representativeAdlam Financial LimitedBoldenAppointed representativeAlex HayesNewcastle upon TyneAppointed representativeArissa Financial ManagementNewcastle upon TyneAppointed representativeBell Mortgage Solutions LtdGatesheadAppointed 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 Melton Financial

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
  • 2 background checks on its contact details
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Melton Financial Ltd FCA authorised?
Melton Financial Ltd (FRN 1001311) 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 Melton Financial?
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. Melton Financial Ltd (FRN 1001311) is an AR of First Complete Limited (FRN 435779). When you use Melton Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Melton Financial, 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 Melton Financial’s phone number?
The FCA register lists the phone number 01661 679016 for Melton Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Melton Financial a scam or clone?
Melton Financial 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 Melton Financial?
Protection works through First Complete Limited, the principal firm responsible for Melton Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Melton Financial?
Companies House lists one person with significant control of Melton Financial: Mr Jonathan Charles Ryan (75–100% of shares).
Who runs Melton Financial?
Companies House lists 2 directors of Melton Financial: Kieran Francis Joseph O'Moore and Jonathan Charles Ryan.
How long has Melton Financial been in business?
The company was formed on 22 March 2023.
What do Melton Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of −£17.5k (down £4,188 from −£13.3k) and cash at bank of £8,224 (up £7,401 from £823).

Sources and links

The full report on Melton Financial Ltd

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