NI Financial Directions Ltd

Reference number: 224312

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • NI Financial Directions Ltd (FRN 224312) is an AR of Quilter Financial Services Limited (FRN 440703). When you use NI Financial Directions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from NI Financial Directions, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When nifinancialdirections.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 4377 1414 is
  • Who else gives the postcode BT31 9DQ
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Other names (3)

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

  • Financial Directions Former name
  • Grant Money Financial Services Former trading name
  • MCA Financial Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 name
NI FINANCIAL DIRECTIONS LIMITED
Company number
NI634135
Company status
Active
Company type
Private limited company
Incorporated
8 October 2015 (11 years old)
Registered office
31a Main Street, Castlewellan, BT31 9DQ, Northern Ireland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Patricia Cowan Director Aug 1958 8 Oct 2015 1 other company
Terence Cowan Director Sep 1955 8 Oct 2015 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
2
closed down
1
run together
1

In the full report: all 2 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 October 2025Micro-entity accountsNot audited

Net assets

£283k

−5.4% from £299k

Employees (average)

1

Same as 1

Owed within a year

£5,673

+304% from £1,405

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 NI634135. 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

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

Key events (6) All events (12)

2016

26 May 2016

  • Changed its registered name from "(NI) Financial Directions Ltd"

FCA register

6 April 2016

  • Patricia Cowan became a part-owner (25–50% of shares)
  • Terence Cowan became a part-owner (25–50% of shares)

Companies House

2015

14 December 2015

  • Changed its registered name from "Financial Directions"

FCA register

8 October 2015

  • Incorporated at Companies House

Companies House

2003

11 April 2003

  • Became an appointed representative

FCA register

In the full report: all 12 events

  • All 12 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like NI Financial Directions

Other firms of the same type (financial adviser), nearest first.

In the Belfast (BT) postcode area

4Front Financial Management LLPBelfastAppointed representativeAbsolute Protection and Wealth LtdDungannonAppointed representativeAccent Financial Planning LimitedCraigavonAppointed representativeAidan KearnsDerryAppointed representativeAidan O'NeillOmaghAppointed representativeAligned Financial Planning LTDCraigavonAppointed 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 NI Financial Directions

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is NI Financial Directions Ltd FCA authorised?
NI Financial Directions Ltd (FRN 224312) 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 NI Financial Directions?
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. NI Financial Directions Ltd (FRN 224312) is an AR of Quilter Financial Services Limited (FRN 440703). When you use NI Financial Directions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NI Financial Directions, 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 NI Financial Directions’ phone number and website?
The FCA register lists the phone number 028 4377 1414 and the website nifinancialdirections.co.uk for NI Financial Directions. If you were given different contact details, use these to check with the firm before going any further.
Is NI Financial Directions a scam or clone?
NI Financial Directions 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 NI Financial Directions?
Protection works through Quilter Financial Services Limited, the principal firm responsible for NI Financial Directions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns NI Financial Directions?
Companies House lists 2 people with significant control of NI Financial Directions: Mr Terence Cowan (25–50% of shares) and Mrs Patricia Cowan (25–50% of shares).
Who runs NI Financial Directions?
Companies House lists 2 directors of NI Financial Directions: Patricia Cowan and Terence Cowan.
How long has NI Financial Directions been in business?
The company was formed on 8 October 2015.
What do NI Financial Directions’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £283k (−5.4% from £299k).
Does NI Financial Directions use any other names?
It has previously used 3 other names: Financial Directions, Grant Money Financial Services and MCA Financial Management.

Sources and links

The full report on NI Financial Directions Ltd

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