Specialist Financial Services Limited

Reference number: 676853

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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 specialisthub.co.uk first appeared online, and whether it can receive email
  • What kind of line 01442 935935 is
  • Who else gives the postcode HP4 1EH
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Other names (88)

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

  • Bridging Solutions Trading name
  • Ginger Loans Trading name
  • Imagine Finance Trading name
  • Imagine Loans Trading name
  • Imagine Money Trading name
  • Specialist Commercial Finance Trading name
  • Specialist Hub Trading name
  • Broker Plan Former trading name
  • Budget Plan Former trading name
  • Can I Borrow Former trading name
  • caniborrow.co.uk Former trading name
  • Capital Plan Former trading name
  • cbils.uk.com Former trading name
  • Corona Loans Former trading name
  • Ginger Bridging Former trading name
  • Ginger Bridging Loans Former trading name
  • Ginger Commercial Former trading name
  • Ginger Commercial Loans Former trading name
  • Ginger Finance Former trading name
  • Ginger Financial Services Former trading name
  • Ginger Home Improvement Loans Former trading name
  • Ginger Loan Former trading name
  • Ginger Money Former trading name
  • Ginger Mortgage Former trading name
  • Ginger Mortgages Former trading name
  • Ginger Secured Loan Former trading name
  • Ginger Secured Loans Former trading name
  • Imagine Bridging Loans Former trading name
  • Imagine Commercial Loans Former trading name
  • Imagine Development Loans Former trading name
  • Imagine Large Secured Loans Former trading name
  • Imagine Loan Former trading name
  • Imagine Mortgage Former trading name
  • Imagine Mortgages Former trading name
  • Imagine Refurbishment Loans Former trading name
  • Imagine Secured Loans Former trading name
  • loanapp.co.uk Former trading name
  • Loan Plan Former trading name
  • L.P.C. Former trading name
  • L.P.P. Former trading name
  • mortgage-app.co.uk Former trading name
  • Mortgage Plan Former trading name
  • New Start Finance Former trading name
  • Right Bridging Former trading name
  • Right Bridging Loan Former trading name
  • Right Bridging Loans Former trading name
  • Right Buy To Let Loan Former trading name
  • Right Buy To Let Mortgage Former trading name
  • Right Commercial Loan Former trading name
  • Right Commercial Mortgage Former trading name
  • Right Finance Former trading name
  • Right HMO Mortgage Former trading name
  • Right Loan Former trading name
  • Right Money Former trading name
  • Right Mortgage Former trading name
  • SBF Former trading name
  • SCF Former trading name
  • School Fees Plan Former trading name
  • SDF Former trading name
  • SEF Former trading name
  • SFC Former trading name
  • SFH Former trading name
  • SFS Former trading name
  • SHF Former trading name
  • SOF Former trading name
  • Special Finance Former trading name
  • Specialist Bridging Finance Former trading name
  • Specialist Development Finance Former trading name
  • Specialist Expat Finance Former trading name
  • Specialist Finance Former trading name
  • Specialist Finance Club Former trading name
  • Specialist Finance Hub Former trading name
  • Specialist Homeowner Finance Former trading name
  • Specialist Overseas Finance Former trading name
  • Specialist Personal Finance Former trading name
  • Specialist Residential Finance Former trading name
  • SPF Former trading name
  • SRF Former trading name
  • The Loan Packaging Company Former trading name
  • The Loan Packaging Partnership Former trading name
  • The Loan Processing Centre Former trading name
  • The Partnership For Finance Former trading name
  • Think Bridging Former trading name
  • Think Bridging Loans Former trading name
  • Think Commercial Former trading name
  • Think Commercial Loans Former trading name
  • Think Loans Former trading name
  • Think Mortgages 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.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
05309450
Company status
Active
Company type
Private limited company
Incorporated
9 December 2004 (21 years old)
Registered office
C/O Hilton Consulting Canalot Studios, 222 Kensal Road, London, W10 5BN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Anthony Leslie Sutton Director Jun 1963 9 Dec 2004 6 other companies
Louise Samantha Sutton Secretary Not published 9 Dec 2004 –

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
6
closed down
4
still active
2

In the full report: all 6 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
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Filed accounts and finances

Year to 30 April 2026Full accountsNot audited

Net assets

£23.6k

+25% from £18.8k

Cash at bank

£19.2k

+260% from £5,320

Owed within a year

£78.1k

−16% from £92.4k

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
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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 05309450. 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

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

Key events (10) All events (188)

2026

29 January 2026

  • Anthony Leslie Sutton stopped being a part-owner
  • Louise Samantha Sutton stopped being a part-owner
  • Specialist Finance Group Limited took control (75–100% of shares)

Companies House

2016

1 May 2016

  • Anthony Leslie Sutton became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • Louise Samantha Sutton became a part-owner (25–50% of shares)
  • Louise Sutton became a part-owner (25–50% of shares)
  • Louise Sutton stopped being a part-owner

Companies House

2015

24 September 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2004

9 December 2004

  • Incorporated at Companies House

Companies House

In the full report: all 188 events

  • All 188 events in its history (10 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Specialist Financial Services

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Specialist Financial Services

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

In Berkhamsted

Every Mortgage Solution LimitedBerkhamstedAuthorisedOakwood Home Finance LtdBerkhamstedAuthorisedPkm Financial Solutions LtdBerkhamstedAuthorisedBlu Chip LimitedBerkhamstedAppointed representativeFresh Mortgages-UK LtdBerkhamstedAppointed 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 Specialist Financial Services

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 188 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Specialist Financial Services Limited FCA authorised?
Yes, Specialist Financial Services Limited (FRN 676853) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Specialist Financial Services’ phone number and website?
The FCA register lists the phone number 01442 935935 and the website specialisthub.co.uk for Specialist Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Specialist Financial Services a scam or clone?
Specialist 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 Specialist Financial Services?
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 Specialist Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Specialist Financial Services?
Specialist Financial Services is owned by Specialist Finance Group Limited, which holds 75–100% of shares and 75–100% of votes, since 29 January 2026. Before that, it was controlled by Mrs Louise Sutton, Mr Anthony Leslie Sutton and Mrs Louise Samantha Sutton.
Who runs Specialist Financial Services?
Companies House lists one director of Specialist Financial Services: Anthony Leslie Sutton.
How long has Specialist Financial Services been in business?
The company was formed on 9 December 2004, and has held its current FCA authorisation since September 2015.
What do Specialist Financial Services’ latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £23.6k (+25% from £18.8k) and cash at bank of £19.2k (+260% from £5,320).
Does Specialist Financial Services use any other names?
It trades as Bridging Solutions, Ginger Loans, Imagine Finance, Imagine Loans and Imagine Money, and 2 more names. It has previously used 81 other names, including Broker Plan, Budget Plan and Can I Borrow.

Sources and links

The full report on Specialist Financial Services Limited

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