Pennine Financial Services Limited

Reference number: 834355

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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

TenetLime Limited Reference number: 311266 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.
  • Pennine Financial Services Limited (FRN 834355) is an AR of TenetLime Limited (FRN 311266). When you use Pennine Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pennine Financial Services, 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.

  • No website on the FCA register

  • Phone number

    01200 856009

  • Address

    21 Victoria Street, Clitheroe, Lancashire, BB7 1BL, United Kingdom

In the full report: 2 background checks

  • What kind of line 01200 856009 is
  • Who else gives the postcode BB7 1BL
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Other names (2)

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

  • Pennine Mortgages Trading name
  • Pennine Financial Services Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TenetLime 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 number
11701246
Company status
Active
Company type
Private limited company
Incorporated
28 November 2018 (7 years old)
Registered office
70 Market Street, Tottington, Bury, BL8 3LJ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Duncan Iain Huntly Gordon Director Oct 1971 28 Nov 2018 1 other company
Carl Patrick Mcgovern Director Mar 1965 28 Nov 2018 None

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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£3,989

Up £3,202 from £787

Cash at bank

£37.2k

No earlier figure to compare

Owed within a year

£23.6k

−24% from £31.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 11701246. 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

Pennine Financial Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2024

26 April 2024

  • Changed its registered name from "Pennine Financial Services Ltd"

FCA register

2019

22 February 2019

  • Became an appointed representative

FCA register

2018

28 November 2018

  • Incorporated at Companies House
  • Carl Patrick McGovern became a part-owner (25–50% of shares)
  • Duncan Iain Huntly Gordon became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Pennine Financial Services

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

In Clitheroe

Indigo Financial Services LtdClitheroeAppointed representativeJohn Saville Mortgages LtdClitheroeAppointed representativeThe Mortgage Account LtdClitheroeAppointed representativeThe Mortgage Confidant LtdClitheroeAppointed representativeLisa Walls-HesterClitheroeRegisteredCornerhouse Media LimitedClitheroeAuthorised

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 Pennine Financial Services

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Pennine Financial Services Limited FCA authorised?
Pennine Financial Services Limited (FRN 834355) 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 Pennine Financial Services?
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. Pennine Financial Services Limited (FRN 834355) is an AR of TenetLime Limited (FRN 311266). When you use Pennine Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pennine Financial Services, 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 Pennine Financial Services’ phone number?
The FCA register lists the phone number 01200 856009 for Pennine Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Pennine Financial Services a scam or clone?
Pennine Financial Services 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 Pennine Financial Services?
Protection works through TenetLime Limited, the principal firm responsible for Pennine Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pennine Financial Services?
Companies House lists 2 people with significant control of Pennine Financial Services: Mr Duncan Iain Huntly Gordon (25–50% of shares) and Mr Carl Patrick McGovern (25–50% of shares).
Who runs Pennine Financial Services?
Companies House lists 2 directors of Pennine Financial Services: Duncan Iain Huntly Gordon and Carl Patrick McGovern.
How long has Pennine Financial Services been in business?
The company was formed on 28 November 2018.
What do Pennine Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £3,989 (up £3,202 from £787) and cash at bank of £37.2k (no earlier figure to compare).
Does Pennine Financial Services use any other names?
It trades as Pennine Mortgages. It has previously used the name Pennine Financial Services Ltd.

Sources and links

The full report on Pennine Financial Services Limited

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