Pendulum Financial Management Ltd

Reference number: 527714

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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, 1 thing worth a closer look

  • When pendulumfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 07730 803879 is
  • Who else gives the postcode RH12 1TD
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Other names (8)

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

  • Global UK Life Trading name
  • I HT Free Trading name
  • EquityRelease.tech Former trading name
  • Equity Release UK Former trading name
  • Global Life Cover Former trading name
  • globallifecover.com Former trading name
  • lifecoveraftercancer.co.uk Former trading name
  • lifecoverfordiabetics.com Former 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.
  • 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 · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (9 permissions)
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • 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
05645668
Company status
Active
Company type
Private limited company
Incorporated
6 December 2005 (20 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Colin Anthony Cloy Director Feb 1948 6 Apr 2013 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 6 people who have been directors, with their dates
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Filed accounts and finances

Year to 27 December 2025Micro-entity accountsNot audited

Net assets

£53.0k

−3.5% from £54.9k

Employees (average)

1

Same as 1

Owed within a year

£4,185

−26% from £5,685

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 05645668. 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

Pendulum Financial Management’s history from the FCA register and Companies House, newest first.

Key events (5) All events (32)

2016

4 August 2016

  • Colin Anthony Cloy took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

16 March 2011

  • Became authorised by the FCA

FCA register

2010

28 October 2010

  • Regulated by the Financial Services Authority from this date

FCA register

2005

6 December 2005

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms like Pendulum Financial Management

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

In Horsham

Dan Mills Mortgages LimitedHorshamAuthorisedImpact Specialist Finance LimitedHorshamAuthorisedKG Mortgages LimitedHorshamAuthorisedPrivate Wealth Mortgages LimitedHorshamAuthorisedAbout Mortgages LtdHorshamAppointed representativeAcre Mortgages LimitedHorshamAppointed 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 Pendulum Financial Management

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 32 events in its history

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Frequently asked questions about this firm

Is Pendulum Financial Management Ltd FCA authorised?
Yes, Pendulum Financial Management Ltd (FRN 527714) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2011 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Pendulum Financial Management’s phone number and website?
The FCA register lists the phone number 07730 803879 and the website pendulumfm.co.uk for Pendulum Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Pendulum Financial Management a scam or clone?
Pendulum Financial Management 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 Pendulum Financial Management?
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 Pendulum Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Pendulum Financial Management?
Companies House lists one person with significant control of Pendulum Financial Management: Mr Colin Anthony Cloy (75–100% of shares).
Who runs Pendulum Financial Management?
Companies House lists one director of Pendulum Financial Management: Colin Anthony Cloy.
How long has Pendulum Financial Management been in business?
The company was formed on 6 December 2005, and has held its current FCA authorisation since March 2011.
What do Pendulum Financial Management’s latest accounts show?
Its latest accounts, to 27 December 2025, show net assets of £53.0k (−3.5% from £54.9k).
Does Pendulum Financial Management use any other names?
It trades as Global UK Life and I HT Free. It has previously used 6 other names, including EquityRelease.tech, Equity Release UK and Global Life Cover.

Sources and links

The full report on Pendulum Financial Management Ltd

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