Saltire Financial Limited

Reference number: 988195

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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.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised 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.
  • Saltire Financial Limited (FRN 988195) is an AR of First Complete Limited (FRN 435779). When you use Saltire Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Saltire Financial, 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.

  • No website on the FCA register

  • Phone number

    07745 676235

  • Address

    1 Craignair Park, Annan, Dumfries and Galloway, DG12 6ND, United Kingdom

In the full report: 2 background checks

  • What kind of line 07745 676235 is
  • Who else gives the postcode DG12 6ND
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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, free
    You 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 name
SALTIRE FINANCIAL LTD
Company number
SC745105
Company status
Active
Company type
Private limited company
Incorporated
22 September 2022 (4 years old)
Registered office
1 Craignair Park, Annan, DG12 6ND, Scotland
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Naomi Margaret Smith Director Jul 1989 22 Sep 2022 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£244

Down £94 from £338

Employees (average)

1

Same as 1

Owed within a year

£23.4k

+95% from £12.0k

Assets and liabilities

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 SC745105. 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

Saltire Financial’s history from the FCA register and Companies House, newest first.

2022

2 December 2022

  • Became an appointed representative

FCA register

22 September 2022

  • Incorporated at Companies House
  • Naomi Margaret Smith took control (75–100% of shares)
  • Naomi Margaret Smith appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Saltire Financial

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

In the Dumfries (DG) postcode area

Alan BellCastle DouglasAppointed representativeAllan JonesStranraerAppointed representativeRichard JenningsDumfriesAppointed representativeRobert LumsdenDumfriesAppointed representativeThomson Mortgages LimitedDumfriesAuthorised

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 Saltire Financial

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Saltire Financial Limited FCA authorised?
Saltire Financial Limited (FRN 988195) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Saltire Financial?
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. Saltire Financial Limited (FRN 988195) is an AR of First Complete Limited (FRN 435779). When you use Saltire Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Saltire Financial, 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.
What is Saltire Financial’s phone number?
The FCA register lists the phone number 07745 676235 for Saltire Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Saltire Financial a scam or clone?
Saltire Financial 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 Saltire Financial?
Protection works through First Complete Limited, the principal firm responsible for Saltire Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Saltire Financial?
Companies House lists one person with significant control of Saltire Financial: Mrs Naomi Margaret Smith (75–100% of shares).
Who runs Saltire Financial?
Companies House lists one director of Saltire Financial: Naomi Margaret Smith.
How long has Saltire Financial been in business?
The company was formed on 22 September 2022.
What do Saltire Financial’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £244 (down £94 from £338).

Sources and links

The full report on Saltire Financial Limited

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