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 3 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 30 April 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Rate Financial Ltd (FRN 986036) is an AR of Sesame Limited (FRN 150427). When you use Rate Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Rate Financial, 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
Rate Financial Ltd, 26 Broadway, Leigh-On-Sea, Southend-On-Sea, SS9 1AW, United Kingdom
In the full report: 2 background checks
- What kind of line 07970 126002 is, and the other firm that gives it
- Who else gives the postcode SS9 1AW
Other names (1)
If you were contacted under any of these names, it is this firm.
- We Do Financial Services Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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
- 14057945 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 April 2022 (4 years old)
- Registered office
- 55 Rectory Grove, Leigh-On-Sea, Essex, SS9 2HA, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Samantha Anne Lena Allen | Director | Sep 1984 | 20 Apr 2022 | 5 other companies |
| Michael Thomas Mccartney | Director | Feb 1981 | 20 Apr 2022 | 11 other companies |
| Marcus Robert Moran | Director | Jan 1994 | 20 Apr 2022 | 6 other companies |
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
- 13
- closed down
- 5
- are FCA-registered
- 2
In the full report: all 13 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 2 on the FCA register
- The 7 companies these 3 directors run together
Filed accounts and finances
Total equity
£801
No earlier figure to compare
Cash at bank
£29.3k
+211% from £9,433
Owed within a year
£63.3k
+515% from £10.3k
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.
Accounts filed at Companies House for company 14057945. 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
Rate Financial’s history from the FCA register and Companies House, newest first.
2025
12 November 2025
- Changed its registered name from "We Do Financial Services Ltd"
FCA register
2022
26 October 2022
- Became an appointed representative
FCA register
20 April 2022
- Incorporated at Companies House
- Marcus Robert Moran gained significant control
- Michael Thomas McCartney gained significant control
- Samantha Anne Lena Allen became the majority owner (50–75% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 3
Firms connected to Rate Financial
Other FCA-listed firms that share a director, phone number or address with Rate Financial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like Rate Financial
Other firms of the same type (mortgage adviser or broker), nearest first.
In Leigh-On-Sea
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 Rate Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 13 other companies its directors have run, named
- 2 background checks on its contact details
- All 10 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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What does appointed representative mean for Rate Financial?
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Who owns Rate Financial?
Who runs Rate Financial?
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What do Rate Financial’s latest accounts show?
Does Rate Financial use any other names?
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