Saga Personal Finance Limited

Reference number: 178922

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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 saga.co.uk first appeared online, and whether it can receive email
  • What kind of line 01303 771111 is, and the 4 other firms that give it
  • Who else gives the postcode N1C 4AG
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Other names (8)

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

  • Saga Trading name
  • Saga Money Trading name
  • Saga Share Direct Trading name
  • Acromas Financial Services Limited Former name
  • Saga Investment Direct Limited Former name
  • AA Financial Services Former trading name
  • Saga Financial Planning Former trading name
  • Saga Share Direct's Frequent Trader Service Former trading name

FCA permissions and consumer protection

  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (6 permissions)
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • 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
03023493
Company status
Active
Company type
Private limited company
Incorporated
17 February 1995 (31 years old)
Registered office
3 Pancras Square, London, N1C 4AG, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Gemma Claire Godfrey Director Sep 1983 10 Jan 2023 11 other companies
Mark Watkins Director Dec 1980 3 May 2024 34 other companies
Michael Robert Hazell Director Jun 1973 21 Oct 2025 7 other companies
Nicola Koning Secretary Not published 16 Dec 2022 –

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
44
closed down
15
are FCA-registered
6

In the full report: all 44 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 6 on the FCA register
  • The 7 companies these 3 directors run together
  • All 42 people who have ever been directors, with their dates
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Key dates in its history

Saga Personal Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (108)

2018

1 February 2018

  • Changed its registered name from "Acromas Financial Services Limited"

FCA register · Companies House

2016

6 April 2016

  • Saga Group Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

14 June 2011

  • Changed its registered name from "Saga Personal Finance Limited"

FCA register

2006

29 December 2006

  • Changed its registered name from "Saga Investment Direct Limited"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1996

3 May 1996

  • Regulated by the Personal Investment Authority from this date

FCA register

1995

17 February 1995

  • Incorporated at Companies House

Companies House

In the full report: all 108 events

  • All 108 events in its history (9 shown here)
  • Every director appointment and resignation: 85
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Firms connected to Saga Personal Finance

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

connected firms
6
share a director
4
share its phone number
4

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (4), the same phone number (4), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Saga Personal Finance

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

In London

Legal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedPivotal Financial LimitedLondonAuthorisedA S 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 Saga Personal Finance

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

  • 44 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 108 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Saga Personal Finance Limited FCA authorised?
Yes, Saga Personal Finance Limited (FRN 178922) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Saga Personal Finance’s phone number and website?
The FCA register lists the phone number 01303 771111 and the website saga.co.uk for Saga Personal Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms.
Is Saga Personal Finance a scam or clone?
Saga Personal Finance 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 Saga Personal Finance?
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 Saga Personal Finance to the Financial Ombudsman Service, free of charge.
Who owns Saga Personal Finance?
Saga Personal Finance is owned by Saga Group Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Saga Personal Finance?
Companies House lists 3 directors of Saga Personal Finance: Gemma Claire Godfrey, Mark Watkins and Michael Robert Hazell.
How long has Saga Personal Finance been in business?
The company was formed on 17 February 1995, and has held its current FCA authorisation since December 2001.
Does Saga Personal Finance use any other names?
It trades as Saga, Saga Money and Saga Share Direct. It has previously used 5 other names, including Acromas Financial Services Limited, Saga Investment Direct Limited and AA Financial Services.

Sources and links

The full report on Saga Personal Finance Limited

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