Nest Financial Services (UK) Ltd

Reference number: 779886

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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.
  • Nest Financial Services (UK) Ltd (FRN 779886) is an AR of First Complete Limited (FRN 435779). When you use Nest Financial Services (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nest Financial Services (UK), 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

    01706 839192

  • Address

    108 Rochdale Road, Todmorden, West Yorkshire, OL14 7LP, United Kingdom

In the full report: 2 background checks

  • What kind of line 01706 839192 is
  • Who else gives the postcode OL14 7LP
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Other names (3)

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

  • Nest Financial Services Trading name
  • Mortgages for Teachers UK Former trading name
  • Protect My Nest Former trading name

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
10574700
Company status
Active
Company type
Private limited company
Incorporated
20 January 2017 (9 years old)
Registered office
108 Rochdale Road, Todmorden, OL14 7LP, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Abigail Greenhalgh Director Sep 1977 20 Jan 2017 2 other companies
Julian Mark Greenhalgh Director Nov 1968 20 Jan 2017 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
3
still active
3
run together
1

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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£8,500

−4.9% from £8,939

Employees (average)

4

+33% from 3

Owed within a year

£26.9k

−2.6% from £27.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 10574700. 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

Nest Financial Services (UK)’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2026

20 May 2026

  • Julian Mark Greenhalgh became a part-owner (25–50% of shares)

Companies House

2017

26 May 2017

  • Became an appointed representative

FCA register

20 January 2017

  • Incorporated at Companies House
  • Abigail Greenhalgh became the majority owner (50–75% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Nest Financial Services (UK)

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

In Todmorden

Richard Atkinson SawdonTodmordenAuthorised

In the Oldham (OL) postcode area

Aaron GibsonAshton-under-LyneAppointed representativeAdaptive Money LimitedAshton-under-LyneAppointed representativeAlan Ryan Financial Services LtdChaddertonAppointed representativeAND Mortgages and Protection LimitedAppointed representativeFitz Mortgages LtdOldhamAppointed 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 Nest Financial Services (UK)

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
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Nest Financial Services (UK) Ltd FCA authorised?
Nest Financial Services (UK) Ltd (FRN 779886) 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 Nest Financial Services (UK)?
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. Nest Financial Services (UK) Ltd (FRN 779886) is an AR of First Complete Limited (FRN 435779). When you use Nest Financial Services (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nest Financial Services (UK), 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 Nest Financial Services (UK)’s phone number?
The FCA register lists the phone number 01706 839192 for Nest Financial Services (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Nest Financial Services (UK) a scam or clone?
Nest Financial Services (UK) 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 Nest Financial Services (UK)?
Protection works through First Complete Limited, the principal firm responsible for Nest Financial Services (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Nest Financial Services (UK)?
Companies House lists 2 people with significant control of Nest Financial Services (UK): Mrs Abigail Greenhalgh (50–75% of shares) and Mr Julian Mark Greenhalgh (25–50% of shares).
Who runs Nest Financial Services (UK)?
Companies House lists 2 directors of Nest Financial Services (UK): Abigail Greenhalgh and Julian Mark Greenhalgh.
How long has Nest Financial Services (UK) been in business?
The company was formed on 20 January 2017.
What do Nest Financial Services (UK)’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £8,500 (−4.9% from £8,939).
Does Nest Financial Services (UK) use any other names?
It trades as Nest Financial Services. It has previously used 2 other names: Mortgages for Teachers UK and Protect My Nest.

Sources and links

The full report on Nest Financial Services (UK) Ltd

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