One Stop 4 Equity Release Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 4 years
Your funds are protected by FSCS
No FCA actions
Active company since 2021
Accounts filed up to 30 June 2025

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.

Website

onestop4equityrelease.co.uk (opens in a new tab)
Phone number

07740 414170
Address

20 Shenley Pavilions, Chalkdell Drive, Shenley Wood, Milton Keynes, MK5 6LB, United Kingdom

In the full report: 3 background checks

When onestop4equityrelease.co.uk first appeared online, and whether it can receive email
What kind of line 07740 414170 is
Who else gives the postcode MK5 6LB

Other names (25)

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

Equity Release Enquiry Trading name: A name it trades under now.
Equity Release Purchase Trading name: A name it trades under now.
Guru Mortgage Solutions Trading name: A name it trades under now.
Lending for Later Life Trading name: A name it trades under now.
Lifetime Money Trading name: A name it trades under now.
One Stop 4 Later Life Trading name: A name it trades under now.
Prime Lifetime Trading name: A name it trades under now.
Search Equity Release Trading name: A name it trades under now.
The Clear Equity Release Trading name: A name it trades under now.
The Right Advice in Later Life Trading name: A name it trades under now.
Advice For Later Life Former trading name: A name it used to trade under.
Advice Guru Former trading name: A name it used to trade under.
Beyond Equity Former trading name: A name it used to trade under.
Beyond Equity Release Former trading name: A name it used to trade under.
Generation Later Life Lending Former trading name: A name it used to trade under.
Later Life Advisors Former trading name: A name it used to trade under.
Later Life Lending Solutions Former trading name: A name it used to trade under.
Later Life Retirement Planning Former trading name: A name it used to trade under.
Lifetime Mortgage Market Former trading name: A name it used to trade under.
Mortgages For Later Life Former trading name: A name it used to trade under.
Smart Choice Equity Release Former trading name: A name it used to trade under.
Sure Lifetime Former trading name: A name it used to trade under.
The Later Life Club Former trading name: A name it used to trade under.
TL Financial Solutions Former trading name: A name it used to trade under.
Your Life Equity Release Former trading name: A name it used to trade under.

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 (13 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 Adjusting
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

Limits on what they may do

Restriction on Regulated Activities

The Firm must not, without prior written consent of the FCA, permit Later Life Retirement Planning or its advisers or directors to carry out any regulated activities for which the Firm has Part 4A permission.

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: 13452621 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 11 June 2021 (5 years old)
Registered office: 30 North Street, Bourne, PE10 9AB, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Alexander Craig Spark	Director	Apr 1963	11 Jun 2021	1 other company
Vanessa Louise Spark-King	Director	Oct 1972	5 Jan 2024	1 other company

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
still active: 2

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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£185k

+178% from £66.6k

Employees (average)

1

Same as 1

Owed within a year

£140k

+190% from £48.2k

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

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 13452621. 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

One Stop 4 Equity Release’s history from the FCA register and Companies House, newest first.

Key events (5) All events (50)

2025

11 August 2025

FCA imposed a requirement (Restriction on Regulated Activities)

FCA register

2022

18 March 2022

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

FCA register

2021

11 June 2021

Incorporated at Companies House
Alexander Craig Spark took control (75–100% of shares)

Companies House

In the full report: all 50 events

All 50 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to One Stop 4 Equity Release

Other FCA-listed firms that share a director, phone number or address with One Stop 4 Equity Release. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like One Stop 4 Equity Release

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

In Milton Keynes

Access Financial Services LimitedMilton KeynesAuthorised Connells Group Principal Services LimitedMilton KeynesAuthorised Connells LimitedMilton KeynesAuthorised Countrywide Money LimitedMilton KeynesAuthorised Ethics Finance LtdMilton KeynesAuthorised Homekey Mortgage Solutions LtdMilton KeynesAuthorised

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 One Stop 4 Equity Release

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
4 years of accounts, charted
All 50 events in its history
3 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is One Stop 4 Equity Release Limited FCA authorised?

Yes, One Stop 4 Equity Release Limited (FRN 952887) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2022 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.

What is One Stop 4 Equity Release’s phone number and website?

The FCA register lists the phone number 07740 414170 and the website onestop4equityrelease.co.uk for One Stop 4 Equity Release. If you were given different contact details, use these to check with the firm before going any further.

Is One Stop 4 Equity Release a scam or clone?

One Stop 4 Equity Release 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 One Stop 4 Equity Release?

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 One Stop 4 Equity Release to the Financial Ombudsman Service, free of charge.

Who owns One Stop 4 Equity Release?

Companies House lists one person with significant control of One Stop 4 Equity Release: Mr Alexander Craig Spark (75–100% of shares).

Who runs One Stop 4 Equity Release?

Companies House lists 2 directors of One Stop 4 Equity Release: Alexander Craig Spark and Vanessa Louise Spark-King.

How long has One Stop 4 Equity Release been in business?

The company was formed on 11 June 2021, and has held its current FCA authorisation since March 2022.

What do One Stop 4 Equity Release’s latest accounts show?

Its latest accounts, to 30 June 2025, show net assets of £185k (+178% from £66.6k).

Does One Stop 4 Equity Release use any other names?

It trades as Equity Release Enquiry, Equity Release Purchase, Guru Mortgage Solutions, Lending for Later Life and Lifetime Money, and 5 more names. It has previously used 15 other names, including Advice For Later Life, Advice Guru and Beyond Equity.