Parity Trust Limited

Reference number: 504445

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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 paritytrust.org.uk first appeared online, and whether it can receive email
  • What kind of line 023 9237 5921 is
  • Who else gives the postcode PO6 4TY
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Other names (5)

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

  • Portsmouth Area Regeneration Trust (Guarantee) Ltd Former name: A name it was registered under before.
  • PART Former trading name: A name it used to trade under.
  • SCML Former trading name: A name it used to trade under.
  • SC Moneyline Former trading name: A name it used to trade under.
  • South Coast Moneyline 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.
  • 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 (7 permissions)
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • 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 status
Active
Company type
Private company limited by guarantee
Incorporated
20 April 2000 (26 years old)
Registered office
Suite 73 Port View, One Port Way, Port Solent, Portsmouth, Hampshire, PO6 4TY, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
James Robert Culverwell Director Mar 1961 24 Apr 2017 1 other company
Sandra Dawn Dalby-Hopkins Director Mar 1965 24 Aug 2022 2 other companies
Sandeep Sesodia Secretary Not published 24 Jan 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 companies
2
still active
2
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
  • All 47 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

£533k

Up £571k from −£37.9k

Cash at bank

£116k

−46% from £214k

Employees (average)

5

+25% from 4

Owed within a year

£225k

−11% from £253k

Assets and liabilities

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 03977373. 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

Parity Trust’s history from the FCA register and Companies House, newest first.

2020

3 July 2020

  • Changed its registered name from "Portsmouth Area Regeneration Trust (Guarantee) Ltd"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

16 June 2010

  • Regulated by the Financial Services Authority from this date

FCA register

15 June 2010

  • Became authorised by the FCA

FCA register

2000

20 April 2000

  • Incorporated at Companies House

Companies House

In the full report: all 107 events

  • All 107 events in its history (5 shown here)
  • Every director appointment and resignation: 90
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Firms like Parity Trust

Other firms of the same type (mortgage lender), nearest first.

Elsewhere in the UK

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 Parity Trust

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
  • All 107 events in its history

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Frequently asked questions about this firm

Is Parity Trust Limited FCA authorised?
Yes, Parity Trust Limited (FRN 504445) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2010 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Parity Trust’s phone number and website?
The FCA register lists the phone number 023 9237 5921 and the website paritytrust.org.uk for Parity Trust. If you were given different contact details, use these to check with the firm before going any further.
Is Parity Trust a scam or clone?
Parity Trust 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 Parity Trust?
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 Parity Trust to the Financial Ombudsman Service, free of charge.
Who runs Parity Trust?
Companies House lists 2 directors of Parity Trust: James Robert Culverwell and Sandra Dawn Dalby-Hopkins.
How long has Parity Trust been in business?
The company was formed on 20 April 2000, and has held its current FCA authorisation since June 2010.
What do Parity Trust’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £533k (up £571k from −£37.9k) and cash at bank of £116k (−46% from £214k).
Does Parity Trust use any other names?
It has previously used 5 other names, including Portsmouth Area Regeneration Trust (Guarantee) Ltd, PART and SCML.

Sources and links

The full report on Parity Trust Limited

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