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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 December 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- Principle FS Ltd (FRN 1018571) is an AR of First Complete Limited (FRN 435779). When you use Principle FS's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Principle FS, 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.
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No website on the FCA register
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Phone number
-
Address
68 School Road, Tilehurst, Reading, Reading, RG31 5AW, United Kingdom
In the full report: 2 background checks
- What kind of line 0118 214 7801 is
- Who else gives the postcode RG31 5AW
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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, freeYou 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
- 15482528 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 February 2024 (2 years old)
- Registered office
- 66 School Road, Tilehurst, Reading, RG31 5AW, 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 |
|---|---|---|---|---|
| Simon James Gregory | Director | Jul 1980 | 11 Feb 2024 | 12 other companies |
| Benjamin Mitchell | Director | Jun 1980 | 11 Feb 2024 | 11 other companies |
| Martin Faulkner | Director | Dec 1978 | 18 Jul 2024 | None |
Other companies run by these 3 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
- 12
- still active
- 12
- run together
- 11
In the full report: all 12 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 11 companies these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£40.6k
Up £72.2k from −£31.5k
Cash at bank
£8,605
+73% from £4,962
Employees (average)
2
+100% from 1
Owed within a year
£52.1k
+39% from £37.4k
Net assets
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 15482528. 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
Principle FS’s history from the FCA register and Companies House, newest first.
2024
10 September 2024
- Became an appointed representative
FCA register
11 February 2024
- Incorporated at Companies House
- Fleetcliff (Holdings) Limited took control (75–100% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (3 shown here)
- Every director appointment and resignation: 5
Firms connected to Principle FS
Other FCA-listed firms that share a director, phone number or address with Principle FS. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Principle FS
Other firms of the same type (mortgage adviser or broker), nearest first.
In Reading
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 Principle FS
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 12 other companies its directors have run, named
- 2 background checks on its contact details
- All 9 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk