Rea Capital Group Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Your funds are protected by FSCS
No FCA actions
Active company since 2015
Accounts filed up to 31 March 2025

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.

Website

fandmfinance.co.uk (opens in a new tab)
Phone number

0151 363 3110
Address

Liscard Business Centre, 188 Liscard Road, Wallasey, Wirral, CH44 5TN, United Kingdom

In the full report: 3 background checks

When fandmfinance.co.uk first appeared online, and whether it can receive email
What kind of line 0151 363 3110 is
Who else gives the postcode CH44 5TN

Other names (4)

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

Consumer Finance Trading name: A name it trades under now.
F&M Finance Trading name: A name it trades under now.
F & M Consulting Services Ltd Former name: A name it was registered under before.
WARMR Former trading name: A name it used to trade under.

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.
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 (8 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on regulated mortgage contracts
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt Adjusting
Debt-counselling
Making arrangements with a view to regulated mortgage contracts

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: 09731771 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 13 August 2015 (11 years old)
Registered office: Hanover Buildings, 11-13 Hanover Street, Liverpool, Merseyside, L1 3DN, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Francesca Rebecca Rea	Director	Jan 1982	1 May 2016	1 other company
Mark Christopher Rea	Director	Dec 1981	1 May 2016	10 other companies

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: 10
closed down: 5
run together: 1

In the full report: all 10 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
The 1 company these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£59.5k

+14% from £52.2k

Cash at bank

£82.3k

−15% from £96.6k

Employees (average)

2

Same as 2

Owed within a year

£18.4k

−55% from £41.1k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 09731771. 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

Rea Capital Group’s history from the FCA register and Companies House, newest first.

Key events (6) All events (15)

2021

6 April 2021

Changed its registered name from "F & M Consulting Services Ltd"

FCA register

2016

6 July 2016

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

FCA register

6 April 2016

Francesca Rebecca Rea became the majority owner (50–75% of shares)
Mark Christopher Rea became the majority owner (50–75% of shares)

Companies House

2015

13 August 2015

Incorporated at Companies House

Companies House

In the full report: all 15 events

All 15 events in its history (6 shown here)
Every director appointment and resignation: 4

Firms like Rea Capital Group

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

In Wallasey

International Investment Management Group (UK) LtdWallaseyAuthorised Peninsula Life Services Network LtdWallaseyAuthorised Cashin Green Financial Services LtdWallaseyAppointed representative KJM Financial Solutions LtdWallaseyAppointed representative Mark ParkerWallaseyAppointed representative G&C Commercial Funding Solutions LimitedWallaseyAuthorised

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 Rea Capital Group

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

10 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 15 events in its history

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Frequently asked questions about this firm

Is Rea Capital Group Ltd FCA authorised?

Yes, Rea Capital Group Ltd (FRN 748638) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Rea Capital Group’s phone number and website?

The FCA register lists the phone number 0151 363 3110 and the website fandmfinance.co.uk for Rea Capital Group. If you were given different contact details, use these to check with the firm before going any further.

Is Rea Capital Group a scam or clone?

Rea Capital Group 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 Rea Capital Group?

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 Rea Capital Group to the Financial Ombudsman Service, free of charge.

Who owns Rea Capital Group?

Companies House lists 2 people with significant control of Rea Capital Group: Mrs Francesca Rebecca Rea (50–75% of shares) and Mr Mark Christopher Rea (50–75% of shares).

Who runs Rea Capital Group?

Companies House lists 2 directors of Rea Capital Group: Francesca Rebecca Rea and Mark Christopher Rea.

How long has Rea Capital Group been in business?

The company was formed on 13 August 2015, and has held its current FCA authorisation since July 2016.

What do Rea Capital Group’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £59.5k (+14% from £52.2k) and cash at bank of £82.3k (−15% from £96.6k).

Does Rea Capital Group use any other names?

It trades as Consumer Finance and F&M Finance. It has previously used 2 other names: F & M Consulting Services Ltd and WARMR.