SMD Financial Services Ltd

Reference number: 996313

Instant download

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

HL Partnership Limited Reference number: 303397 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.
  • SMD Financial Services Ltd (FRN 996313) is an AR of HL Partnership Limited (FRN 303397). When you use SMD Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SMD 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.

  • No website on the FCA register

  • Phone number

    07545 087074

  • Address

    Suite 2/3 2nd Floor, 48 West George Street, Glasgow, Glasgow City, G2 1PB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07545 087074 is
  • Who else gives the postcode G2 1PB
Instant PDF download
Other names (1)

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

  • SMD Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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 number
SC760431
Company status
Active
Company type
Private limited company
Incorporated
28 February 2023 (3 years old)
Registered office
Suite 2/3 2nd Floor 48 West George Street, Glasgow, G2 1PB, Scotland
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Simone Margaret Douglas Director Oct 1984 28 Feb 2023 1 other company
Simone Margaret Douglas Secretary Not published 28 Feb 2023 –

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 company
1
closed down
1

In the full report: all 1 company, 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
Instant PDF download

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£2

Same as £2

Employees (average)

1

Same as 1

Owed within a year

£8,712

+93% from £4,511

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 SC760431. 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

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

Key events (3) All events (9)

2023

11 October 2023

  • Became an appointed representative

FCA register

28 February 2023

  • Incorporated at Companies House
  • Simone Margaret Douglas took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (3 shown here)
  • Every director appointment and resignation: 1
Instant PDF download

Firms connected to SMD Financial Services

Other FCA-listed firms that share a director, phone number or address with SMD 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
Instant PDF download

Firms like SMD Financial Services

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

In Glasgow

Acumen Financial Services LtdGlasgowAppointed representativeAthena Mortgages LtdGlasgowAppointed representativeBera Financial Services LimitedGlasgowAppointed representativeBlossom Mortgage Services LtdGlasgowAppointed representativeBlue Fish Mortgage Solutions LimitedGlasgowAppointed representativeClear Path Mortgages LimitedGlasgowAppointed representative

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 SMD Financial Services

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 9 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is SMD Financial Services Ltd FCA authorised?
SMD Financial Services Ltd (FRN 996313) 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 SMD Financial Services?
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. SMD Financial Services Ltd (FRN 996313) is an AR of HL Partnership Limited (FRN 303397). When you use SMD Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SMD 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.
What is SMD Financial Services’ phone number?
The FCA register lists the phone number 07545 087074 for SMD Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is SMD Financial Services a scam or clone?
SMD Financial Services 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 SMD Financial Services?
Protection works through HL Partnership Limited, the principal firm responsible for SMD Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SMD Financial Services?
Companies House lists one person with significant control of SMD Financial Services: Ms Simone Margaret Douglas (75–100% of shares).
Who runs SMD Financial Services?
Companies House lists one director of SMD Financial Services: Simone Margaret Douglas.
How long has SMD Financial Services been in business?
The company was formed on 28 February 2023.
What do SMD Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £2 (same as £2).
Does SMD Financial Services use any other names?
It trades as SMD Mortgages.

Sources and links

The full report on SMD Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…