Pure Commercial Finance Ltd

Reference number: 744421

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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 purepropertyfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 029 2076 6565 is, and the 2 other firms that give it
  • Who else gives the postcode CF14 5DX
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Other names (9)

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

  • bridgingcompare.com Trading name
  • Commercialcompare.com Trading name
  • invoicesfinanced.com Trading name
  • mypropertyloan.co.uk Trading name
  • mysecuredloan.com Trading name
  • Pure Advisory Group Trading name
  • Pure Property Finance Trading name
  • thebridgingbrokers.com Trading name
  • yourequityreleased.com 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.
  • 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 (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • 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
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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
08576127
Company status
Active
Company type
Private limited company
Incorporated
19 June 2013 (13 years old)
Registered office
Kimberley House Ty Glas Avenue, Llanishen, Cardiff, CF14 5DX, Wales
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Directors and company secretaries

Name Role Born Appointed Other companies
Benjamin Daniel Lloyd Director Jul 1985 19 Jun 2013 40 other companies
Gareth Vaughan Morgan Director Oct 1980 19 Jun 2013 20 other companies
Stuart James Mico Director Nov 1974 16 Jan 2026 14 other companies
Thomas David Rowlands Director Jul 1991 16 Jan 2026 None

Other companies run by these 4 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
67
closed down
21
went insolvent
1

In the full report: all 67 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 3 on the FCA register
  • The 7 companies these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£625k

+70% from £367k

Cash at bank

£437k

+181% from £155k

Employees (average)

15

+15% from 13

Owed within a year

£284k

−18% from £345k

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 08576127. 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

Pure Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (24)

2020

2 November 2020

  • Benjamin Daniel Lloyd stopped being a part-owner
  • Gareth Vaughan Morgan stopped being a part-owner
  • Pure Advisory Group Ltd took control (75–100% of shares)

Companies House

2016

19 September 2016

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

FCA register

6 April 2016

  • Benjamin Daniel Lloyd became a part-owner (25–50% of shares)
  • Gareth Vaughan Morgan became a part-owner (25–50% of shares)

Companies House

2013

19 June 2013

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Pure Commercial Finance

Other FCA-listed firms that share a director, phone number or address with Pure Commercial Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share a director
3
share its phone number
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Pure Commercial Finance

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

In Cardiff

Adapt MortgagesCardiffAuthorisedArkke Capital LtdCardiffAuthorisedCardiff Financial Services LimitedCardiffAuthorisedCharles Frank Finance LimitedCardiffAuthorisedCornerstone Finance Group LtdCardiffAuthorisedGoBear Loans LtdCardiffAuthorised

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 Pure Commercial Finance

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

  • 67 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 24 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pure Commercial Finance Ltd FCA authorised?
Yes, Pure Commercial Finance Ltd (FRN 744421) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Pure Commercial Finance’s phone number and website?
The FCA register lists the phone number 029 2076 6565 and the website purepropertyfinance.co.uk for Pure Commercial Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Pure Commercial Finance a scam or clone?
Pure Commercial Finance 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 Pure Commercial Finance?
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 Pure Commercial Finance to the Financial Ombudsman Service, free of charge.
Who owns Pure Commercial Finance?
Pure Commercial Finance is owned by Pure Advisory Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 November 2020. Before that, it was controlled by Mr Benjamin Daniel Lloyd and Mr Gareth Vaughan Morgan.
Who runs Pure Commercial Finance?
Companies House lists 4 directors of Pure Commercial Finance: Benjamin Daniel Lloyd, Gareth Vaughan Morgan, Stuart James Mico and Thomas David Rowlands.
How long has Pure Commercial Finance been in business?
The company was formed on 19 June 2013, and has held its current FCA authorisation since September 2016.
What do Pure Commercial Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £625k (+70% from £367k) and cash at bank of £437k (+181% from £155k).
Does Pure Commercial Finance use any other names?
It trades as bridgingcompare.com, Commercialcompare.com, invoicesfinanced.com, mypropertyloan.co.uk and mysecuredloan.com, and 4 more names.

Sources and links

The full report on Pure Commercial Finance Ltd

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