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 2013
- Accounts filed up to 30 April 2026
Responsible principal firm
First Complete Limited Reference number: 435779 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.
- SMG Financial Services Ltd (FRN 588734) is an AR of First Complete Limited (FRN 435779). When you use SMG Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from SMG 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.
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No website on the FCA register
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Phone number
-
Address
32 Summer Meadows Manor, Londonderry, Co.londonderry, BT47 6SE, United Kingdom
In the full report: 2 background checks
- What kind of line 07549 831527 is
- Who else gives the postcode BT47 6SE
Other names (1)
If you were contacted under any of these names, it is this firm.
- Shona McGuinness Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- NI617826 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 April 2013 (13 years old)
- Registered office
- 32 Summer Meadows Manor, Waterside, Derry, County Derry, BT47 6SE
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Shona Mcguinness | Director | Nov 1974 | 11 Apr 2013 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£17.8k
+337% from £4,063
Cash at bank
£29.5k
+320% from £7,025
Employees (average)
6
+20% from 5
Owed within a year
£28.4k
+52% from £18.6k
Assets and liabilities
In the full report: all 8 years of accounts
- Every year from 2019 to 2026
- 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 NI617826. 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
SMG Financial Services’s history from the FCA register and Companies House, newest first.
2016
1 May 2016
- Shona McGuinness took control (75–100% of shares)
Companies House
2013
15 October 2013
- Changed its registered name from "Shona McGuinness"
FCA register
11 April 2013
- Incorporated at Companies House
Companies House
2012
25 September 2012
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (4 shown here)
- Every director appointment and resignation: 5
Firms like SMG Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Londonderry
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 SMG Financial Services
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
- 8 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
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Who runs SMG Financial Services?
How long has SMG Financial Services been in business?
What do SMG Financial Services’ latest accounts show?
Does SMG Financial Services 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