Smart Money Limited

Reference number: 688185

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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 smartmoneyloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 01829 730554 is
  • Who else gives the postcode CW6 9DL
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Other names (2)

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

  • Smart Money Loans Trading name
  • Smart Money Retail Former trading name

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.
  • 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 (8 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Providing Credit Information Services

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
07023509
Company status
Active
Company type
Private limited company
Incorporated
18 September 2009 (17 years old)
Registered office
8 Portal Business Park, Eaton Lane, Tarporley, Cheshire, CW6 9DL, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul David Crewe Director Oct 1971 18 Sep 2009 3 other companies

Other companies run by its director

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
still active
3
is FCA-registered
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Full accountsNot audited

Net assets

£33.1k

−89% from £295k

Cash at bank

£138k

−24% from £182k

Owed within a year

£312k

+270% from £84.1k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 07023509. 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 Money’s history from the FCA register and Companies House, newest first.

Key events (5) All events (15)

2016

6 April 2016

  • Paul David Crewe took control (75–100% of shares)

Companies House

2015

5 November 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2009

18 September 2009

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Smart Money

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

connected firms
2
share its postcode
2
past link
1

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
  • 1 past link through former directors
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Firms like Smart Money

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

In Tarporley

Entire Services LtdTarporleyAppointed representativeSmart Money Finance LtdTarporleyAppointed representative

In the Crewe (CW) postcode area

Financial Expert Partnership LtdCreweAuthorisedGary Andrew VernonNantwichAuthorisedLoan SolutionsNorthwichAuthorisedSolution Mortgages LimitedCongletonAuthorised

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 Money

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
  • 7 years of accounts, charted
  • All 15 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Smart Money Limited FCA authorised?
Yes, Smart Money Limited (FRN 688185) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a mortgage adviser or broker. The FCA has placed a limit on what it may do.
What is Smart Money’s phone number and website?
The FCA register lists the phone number 01829 730554 and the website smartmoneyloans.co.uk for Smart Money. If you were given different contact details, use these to check with the firm before going any further.
Is Smart Money a scam or clone?
Smart Money 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 Smart Money?
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 Smart Money to the Financial Ombudsman Service, free of charge.
Who owns Smart Money?
Companies House lists one person with significant control of Smart Money: Mr Paul David Crewe (75–100% of shares).
Who runs Smart Money?
Companies House lists one director of Smart Money: Paul David Crewe.
How long has Smart Money been in business?
The company was formed on 18 September 2009, and has held its current FCA authorisation since November 2015.
What do Smart Money’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £33.1k (−89% from £295k) and cash at bank of £138k (−24% from £182k).
Does Smart Money use any other names?
It trades as Smart Money Loans. It has previously used the name Smart Money Retail.

Sources and links

The full report on Smart Money Limited

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