Smart Advice Financial Solutions Ltd
Reference number: 569199
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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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 October 2025
- 1 thing worth a closer look in the background checks
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.
- Smart Advice Financial Solutions Ltd (FRN 569199) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Smart Advice Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Smart Advice Financial Solutions, 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
Smart Advice Financial Solutions Ltd, Windhager Building, Tormarton Road, Marshfield, Chippenham, South Gloucestershire, SN14 8SR, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When smartadvicefs.co.uk first appeared online, and whether it can receive email
- What kind of line 01225 438920 is
- Who else gives the postcode SN14 8SR
Other names (2)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Trading name: A name it trades under now.
- Smart Advice Financial Solutions Limited Former name: A name it was registered under before.
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
- 07797549 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 October 2011 (15 years old)
- Registered office
- The Old Courthouse, 60a London Road, Grantham, NG31 6HR, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Robert David Loaring | Director | May 1975 | 5 Oct 2011 | 6 other companies |
| Benjamin Peter Dodds | Director | Jan 1988 | 16 Jan 2026 | 43 other companies |
| Michelle Jane Brook | Director | Mar 1967 | 16 Jan 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
- 49
- closed down
- 12
- are FCA-registered
- 7
In the full report: all 49 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 7 on the FCA register
- All 10 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1.67m
+77% from £941k
Cash at bank
£2.23m
+9.7% from £2.03m
Employees (average)
18
+5.9% from 17
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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 07797549. 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
Smart Advice Financial Solutions’s history from the FCA register and Companies House, newest first.
2026
16 January 2026
- Brook Financial Services Ltd took control (75–100% of shares)
- Robert David Loaring gave up control
Companies House
2024
24 March 2024
- Changed its registered name from "Smart Advice Financial Solutions Limited"
FCA register
2016
1 July 2016
- Robert David Loaring took control (75–100% of shares)
Companies House
2011
18 November 2011
- Became an appointed representative
FCA register
5 October 2011
- Incorporated at Companies House
Companies House
In the full report: all 24 events
- All 24 events in its history (6 shown here)
- Every director appointment and resignation: 17
Firms connected to Smart Advice Financial Solutions
Other FCA-listed firms that share a director, phone number or address with Smart Advice Financial Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 9
- share a director
- 7
- share its postcode
- 2
In the full report: all 9 connected firms, named
- How each is linked: shared directors (7), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Smart Advice Financial Solutions
Other firms of the same type (financial adviser), nearest first.
In Chippenham
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 Smart Advice Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 49 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 24 events in its history
- 9 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has Smart Advice Financial Solutions been in business?
What do Smart Advice Financial Solutions’ latest accounts show?
Does Smart Advice Financial Solutions 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