NGAGE Finance Limited

Reference number: 948419

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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 ngagefinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 804 4645 is
  • Who else gives the postcode CF10 3BY
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Other names (5)

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

  • BridgeScout Trading name
  • Cotswold Specialist Finance Trading name
  • NGage Commercial Trading name
  • Seek Finance Trading name
  • seekfinance.co.uk Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts

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
13306342
Company status
Active
Company type
Private limited company
Incorporated
31 March 2021 (5 years old)
Registered office
Floor 1 18 Windsor Place, Cardiff, CF10 3BY, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Gage Director May 1976 31 Mar 2021 None
Nathan Carl Raffour Director Feb 1983 24 Feb 2022 1 other company
Lindsey Dawn Gage Secretary Not published 24 Feb 2022 –
Laura Elizabeth Raffour Secretary Not published 24 Feb 2022 –

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 company
1
closed down
1

In the full report: all 1 company, 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

Net assets

£75.7k

+97% from £38.5k

Cash at bank

£28.9k

−48% from £55.6k

Employees (average)

5

Same as 5

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 13306342. 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

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

Key events (7) All events (16)

2022

26 February 2022

  • Andrew Gage became a part-owner (25–50% of shares)

Companies House

25 February 2022

  • Andrew Gage stopped being a part-owner

Companies House

2021

15 November 2021

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

FCA register

31 March 2021

  • Incorporated at Companies House
  • Andrew Gage became a part-owner (25–50% of shares)
  • Nathan Carl Raffour became a part-owner (25–50% of shares)

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to NGAGE Finance

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like NGAGE Finance

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

In Cardiff

Adapt MortgagesCardiffAuthorisedArkke Capital LtdCardiffAuthorisedB2B Loans & Mortgages LimitedCardiffAuthorisedCardiff Financial Services LimitedCardiffAuthorisedCharles Frank Finance LimitedCardiffAuthorisedCornerstone Finance Group LtdCardiffAuthorised

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 NGAGE Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 16 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is NGAGE Finance Limited FCA authorised?
Yes, NGAGE Finance Limited (FRN 948419) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2021 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is NGAGE Finance’s phone number and website?
The FCA register lists the phone number 0800 804 4645 and the website ngagefinance.co.uk for NGAGE Finance. If you were given different contact details, use these to check with the firm before going any further.
Is NGAGE Finance a scam or clone?
NGAGE 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 NGAGE Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about NGAGE Finance to the Financial Ombudsman Service, free of charge.
Who owns NGAGE Finance?
Companies House lists 2 people with significant control of NGAGE Finance: Mr Andrew Gage (25–50% of shares) and Mr Nathan Carl Raffour (25–50% of shares).
Who runs NGAGE Finance?
Companies House lists 2 directors of NGAGE Finance: Andrew Gage and Nathan Carl Raffour.
How long has NGAGE Finance been in business?
The company was formed on 31 March 2021, and has held its current FCA authorisation since November 2021.
What do NGAGE Finance’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £75.7k (+97% from £38.5k) and cash at bank of £28.9k (−48% from £55.6k).
Does NGAGE Finance use any other names?
It trades as BridgeScout, Cotswold Specialist Finance, NGage Commercial, Seek Finance and seekfinance.co.uk.

Sources and links

The full report on NGAGE Finance Limited

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