REF Capital LLP

Reference number: 981422

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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 refcap.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8144 3102 is
  • Who else gives the postcode E4 9HH
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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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • 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
OC351405
Company status
Active
Company type
Limited liability partnership
Incorporated
11 January 2010 (16 years old)
Registered office
Blackwell House, Guildhall Yard, London, EC2V 5AE, England

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Simon Drummond LLP designated member Mar 1968 11 Jan 2010 15 other companies
Stephen Anthony Eades LLP designated member Jun 1968 11 Jan 2010 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
15
closed down
8
went insolvent
1

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (5) All events (11)

2023

10 May 2023

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

FCA register

2016

6 April 2016

  • Andrew Simon Drummond gained 25–50% of the votes
  • Stephen Anthony Eades gained 25–50% of the votes

Companies House

2010

11 January 2010

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to REF Capital

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like REF Capital

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

In London

Saga Personal Finance LimitedLondonAuthorisedLegal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedPivotal Financial LimitedLondonAuthorised

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 REF Capital

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 11 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is REF Capital LLP FCA authorised?
Yes, REF Capital LLP (FRN 981422) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2023 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is REF Capital’s phone number and website?
The FCA register lists the phone number 020 8144 3102 and the website refcap.co.uk for REF Capital. If you were given different contact details, use these to check with the firm before going any further.
Is REF Capital a scam or clone?
REF Capital 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 REF Capital?
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 REF Capital to the Financial Ombudsman Service, free of charge.
Who owns REF Capital?
Companies House lists 2 people with significant control of REF Capital: Mr Stephen Anthony Eades (25–50% of votes) and Mr Andrew Simon Drummond (25–50% of votes).
Who runs REF Capital?
Companies House lists 2 directors of REF Capital: Andrew Simon Drummond and Stephen Anthony Eades.
How long has REF Capital been in business?
The company was formed on 11 January 2010, and has held its current FCA authorisation since May 2023.

Sources and links

The full report on REF Capital LLP

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