Smooth Financial Solutions Ltd

Reference number: 760046

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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.
  • Smooth Financial Solutions Ltd (FRN 760046) is an AR of First Complete Limited (FRN 435779). When you use Smooth Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smooth 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.

  • No website on the FCA register

  • Phone number

    07921 661682

  • Address

    18 Northfield Road, Welton, Lincoln, LN2 3FF, United Kingdom

In the full report: 2 background checks

  • What kind of line 07921 661682 is
  • Who else gives the postcode LN2 3FF
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Other names (3)

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

  • Steven Tague Former name
  • S-T Mortgages Former trading name
  • Walshe's Property Finance Former trading name

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 number
11004537
Company status
Active
Company type
Private limited company
Incorporated
10 October 2017 (9 years old)
Registered office
18 Northfield Road, Welton, Lincoln, LN2 3FF, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Tague Director Apr 1976 10 Oct 2017 2 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
2
closed down
2

In the full report: all 2 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 5 April 2025Abridged accountsNot audited

Net assets

£6,613

Up £6,090 from £523

Cash at bank

£40.8k

−13% from £47.2k

Employees (average)

2

Same as 2

Owed within a year

£9,670

−6.7% from £10.4k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 11004537. 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

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

Key events (6) All events (13)

2021

1 April 2021

  • Aleksander Piotr Maniowski stopped being a part-owner

Companies House

2018

21 March 2018

  • Changed its registered name from "Steven Tague"

FCA register

2017

10 October 2017

  • Incorporated at Companies House
  • Aleksander Piotr Maniowski became a part-owner (25–50% of shares)
  • Steven Tague became the majority owner (50–75% of shares)

Companies House

2016

5 October 2016

  • Became an appointed representative

FCA register

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like Smooth Financial Solutions

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

In Lincoln

3D Mortgages LtdLincolnAppointed representativeAlan WardLincolnAppointed representativeAndy Wilson Financial Services LtdLincolnAppointed representativeAspire Mortgages (Sleaford) LtdLincolnAppointed representativeEagle Mortgages & Protection LtdLincolnAppointed representativeGemma BrownLincolnAppointed 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 Smooth Financial Solutions

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Smooth Financial Solutions Ltd FCA authorised?
Smooth Financial Solutions Ltd (FRN 760046) 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 Smooth Financial Solutions?
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. Smooth Financial Solutions Ltd (FRN 760046) is an AR of First Complete Limited (FRN 435779). When you use Smooth Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smooth 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.
What is Smooth Financial Solutions’ phone number?
The FCA register lists the phone number 07921 661682 for Smooth Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Smooth Financial Solutions a scam or clone?
Smooth Financial Solutions 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 Smooth Financial Solutions?
Protection works through First Complete Limited, the principal firm responsible for Smooth Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Smooth Financial Solutions?
Companies House lists one person with significant control of Smooth Financial Solutions: Mr Steven Tague (50–75% of shares). Before that, it was controlled by Mr Aleksander Piotr Maniowski.
Who runs Smooth Financial Solutions?
Companies House lists one director of Smooth Financial Solutions: Steven Tague.
How long has Smooth Financial Solutions been in business?
The company was formed on 10 October 2017.
What do Smooth Financial Solutions’ latest accounts show?
Its latest accounts, to 5 April 2025, show net assets of £6,613 (up £6,090 from £523) and cash at bank of £40.8k (−13% from £47.2k).
Does Smooth Financial Solutions use any other names?
It has previously used 3 other names: Steven Tague, S-T Mortgages and Walshe's Property Finance.

Sources and links

The full report on Smooth Financial Solutions Ltd

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