Raymond & Thomas Limited

Reference number: 585643

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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

  • When raymondandthomasltd.co.uk first appeared online, and whether it can receive email
  • What kind of line 01242 522141 is
  • Who else gives the postcode GL52 6RX
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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 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • 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
05281305
Company status
Active
Company type
Private limited company
Incorporated
9 November 2004 (21 years old)
Registered office
Beaufort House, 113 Parson Street, Bristol, BS3 5QH, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Annette Marie Raymond Director Feb 1969 18 Nov 2004 2 other companies
Caroline Stainer Director Aug 1974 31 Jan 2019 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 companies
2
still active
2

In the full report: all 2 companies, 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£21.6k

+35% from £16.0k

Cash at bank

£13.0k

+74% from £7,473

Employees (average)

4

+300% from 1

Owed within a year

£5,402

−43% from £9,558

Net assets

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05281305. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Raymond & Thomas’s history from the FCA register and Companies House, newest first.

Key events (9) All events (14)

2025

8 September 2025

  • Caroline Stainer became a part-owner (25–50% of shares)

Companies House

2017

4 April 2017

  • Kelly Thomas stopped being a part-owner

Companies House

2016

9 November 2016

  • Annette Marie Raymond became a part-owner (25–50% of shares)
  • Kelly Thomas became a part-owner (25–50% of shares)

Companies House

2013

14 June 2013

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

FCA register

31 March 2013

  • No longer regulated by the Financial Services Authority

FCA register

2012

1 October 2012

  • Regulated by the Financial Services Authority from this date

FCA register

2004

9 November 2004

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (9 shown here)
  • Every director appointment and resignation: 4
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Firms like Raymond & Thomas

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

In Cheltenham

Ashbridge Partners LimitedCheltenhamAuthorisedThe Finance Roome LtdCheltenhamAuthorisedUrbanSpencer LimitedCheltenhamAuthorisedAndrew PrescottCheltenhamAppointed representativeAviella Consulting LimitedCheltenhamAppointed representativeBallard Associates LtdCheltenhamAppointed 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 Raymond & Thomas

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Raymond & Thomas Limited FCA authorised?
Yes, Raymond & Thomas Limited (FRN 585643) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2013 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Raymond & Thomas’ phone number and website?
The FCA register lists the phone number 01242 522141 and the website raymondandthomasltd.co.uk for Raymond & Thomas. If you were given different contact details, use these to check with the firm before going any further.
Is Raymond & Thomas a scam or clone?
Raymond & Thomas 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 Raymond & Thomas?
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 Raymond & Thomas to the Financial Ombudsman Service, free of charge.
Who owns Raymond & Thomas?
Companies House lists 2 people with significant control of Raymond & Thomas: Ms Caroline Stainer (25–50% of shares) and Mrs Annette Marie Raymond (25–50% of shares). Before that, it was controlled by Miss Kelly Thomas.
Who runs Raymond & Thomas?
Companies House lists 2 directors of Raymond & Thomas: Annette Marie Raymond and Caroline Stainer.
How long has Raymond & Thomas been in business?
The company was formed on 9 November 2004, and has held its current FCA authorisation since June 2013.
What do Raymond & Thomas’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £21.6k (+35% from £16.0k) and cash at bank of £13.0k (+74% from £7,473).

Sources and links

The full report on Raymond & Thomas Limited

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