Rettie Financial Services Ltd
Reference number: 969525
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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 4 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 30 April 2025
- On its latest accounts it owed £151k more than it owned
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- Rettie Financial Services Ltd (FRN 969525) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Rettie Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Rettie Financial Services, 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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Phone number
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Address
Deuchrie, Dunbar, East Lothian, EH42 1TG, United Kingdom
In the full report: 3 background checks
- When rettie.co.uk first appeared online, and whether it can receive email
- What kind of line 0131 322 2677 is
- Who else gives the postcode EH42 1TG
Other names (2)
If you were contacted under any of these names, it is this firm.
- Rettie Financial Solutions Former name: A name it was registered under before.
- Mortgage Advice Bureau Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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
- SC711925 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 October 2021 (5 years old)
- Registered office
- Deuchrie, Dunbar, East Lothian, EH42 1TG, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Other activities auxiliary to insurance and pension funding (SIC 66290)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Matthew James Benson | Director | Jun 1966 | 11 Oct 2021 | 3 other companies |
| Simon James Rettie | Director | Oct 1962 | 11 Oct 2021 | 1 other company |
| Alan Cumming | Director | Jul 1984 | 15 Oct 2026 | None |
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
- 3
- closed down
- 1
- run together
- 1
In the full report: all 3 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 1 company these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
−£151k
Up £18.6k from −£170k
Cash at bank
£19.9k
+63% from £12.2k
Owed within a year
£178k
−8% from £194k
Total equity is negative: on its last balance sheet the company owed £151k more than it owned.
Total equity
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 SC711925. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Rettie Financial Services’s history from the FCA register and Companies House, newest first.
2022
8 April 2022
- Changed its registered name from "Rettie Financial Solutions"
FCA register
9 February 2022
- Became an appointed representative
FCA register
2021
11 October 2021
- Incorporated at Companies House
- Rettie & Company Limited took control (75–100% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (4 shown here)
- Every director appointment and resignation: 5
Firms connected to Rettie Financial Services
Other FCA-listed firms that share a director, phone number or address with Rettie Financial Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Rettie Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Edinburgh (EH) postcode area
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 Rettie Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details
- All 11 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 do Rettie Financial Services’ latest accounts show?
Does Rettie Financial Services 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