Oakwood Home Finance Ltd

Reference number: 949215

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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 omper.co.uk first appeared online, and whether it can receive email
  • What kind of line 07710 792717 is
  • Who else gives the postcode HP4 3NQ
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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.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
12937996
Company status
Active
Company type
Private limited company
Incorporated
8 October 2020 (6 years old)
Registered office
25 Oakwood, Berkhamsted, Hertfordshire, HP4 3NQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Peter Richardson Director Jul 1966 2 Mar 2022 4 other companies

Other companies run by its director

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
4
closed down
1
is FCA-registered
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£7,600

−59% from £18.5k

Cash at bank

£103k

+49% from £69.3k

Employees (average)

3

Same as 3

Owed within a year

£95.8k

+88% from £50.9k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 12937996. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (8) All events (15)

2026

30 May 2026

  • J Richo Financial Services Ltd took control (75–100% of shares)

Companies House

14 May 2026

  • Jeli Services Ltd gave up control

Companies House

2022

21 January 2022

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

FCA register

2021

13 April 2021

  • Ian Davidson Whitfield gave up control
  • Jeli Services Ltd took control (75–100% of shares)

Companies House

2020

8 October 2020

  • Incorporated at Companies House
  • Ian Davidson Whitfield took control (75–100% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (8 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Oakwood Home Finance

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Oakwood Home Finance

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

In Berkhamsted

Every Mortgage Solution LimitedBerkhamstedAuthorisedPkm Financial Solutions LtdBerkhamstedAuthorisedSpecialist Financial Services LimitedBerkhamstedAuthorisedBlu Chip LimitedBerkhamstedAppointed representativeFresh Mortgages-UK LtdBerkhamstedAppointed 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 Oakwood Home Finance

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Oakwood Home Finance Ltd FCA authorised?
Yes, Oakwood Home Finance Ltd (FRN 949215) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2022 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Oakwood Home Finance’s phone number and website?
The FCA register lists the phone number 07710 792717 and the website omper.co.uk for Oakwood Home Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Oakwood Home Finance a scam or clone?
Oakwood Home 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 Oakwood Home 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 Oakwood Home Finance to the Financial Ombudsman Service, free of charge.
Who owns Oakwood Home Finance?
Oakwood Home Finance is owned by J Richo Financial Services Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 May 2026. Before that, it was controlled by Jeli Services Ltd and Mr Ian Davidson Whitfield.
Who runs Oakwood Home Finance?
Companies House lists one director of Oakwood Home Finance: John Peter Richardson.
How long has Oakwood Home Finance been in business?
The company was formed on 8 October 2020, and has held its current FCA authorisation since January 2022.
What do Oakwood Home Finance’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £7,600 (−59% from £18.5k) and cash at bank of £103k (+49% from £69.3k).

Sources and links

The full report on Oakwood Home Finance Ltd

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