State Credit & Investment Limited

Reference number: 314571

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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 statecredit.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7619 0434 is
  • Who else gives the postcode N7 9DP
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FCA permissions and consumer protection

  • 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 (2 permissions)
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender

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
01416311
Company status
Active
Company type
Private limited company
Incorporated
21 February 1979 (47 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Brian George Howe Director Oct 1947 14 Jun 1995 6 other companies
Nicholas Dark Secretary Not published 1 Dec 2022 –

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
1
still active
5

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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsAudited

Net assets

£4.19m

+4.1% from £4.02m

Cash at bank

£2.13m

+102% from £1.05m

Employees (average)

2

−33% from 3

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 01416311. 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

State Credit & Investment’s history from the FCA register and Companies House, newest first.

Key events (7) All events (16)

2025

1 April 2025

  • Peter Charles Catterill no longer has significant control

Companies House

2016

6 April 2016

  • Brian George Howe became a part-owner (25–50% of shares)
  • Peter Charles Catterill gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

22 March 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1979

21 February 1979

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms connected to State Credit & Investment

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

connected firms
3
no longer authorised
1
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 State Credit & Investment

Other firms of the same type (mortgage lender), nearest first.

In London

Prudential Lifetime Mortgages LimitedLondonAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedCoutts Finance Co.LondonAuthorisedButterfield Mortgages LimitedLondonAuthorisedOctopus Investments LimitedLondonAuthorisedLendInvest Loans LimitedLondonAuthorised

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 State Credit & Investment

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
  • All 16 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is State Credit & Investment Limited FCA authorised?
Yes, State Credit & Investment Limited (FRN 314571) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2005 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is State Credit & Investment’s phone number and website?
The FCA register lists the phone number 020 7619 0434 and the website statecredit.co.uk for State Credit & Investment. If you were given different contact details, use these to check with the firm before going any further.
Is State Credit & Investment a scam or clone?
State Credit & Investment 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 State Credit & Investment?
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 State Credit & Investment to the Financial Ombudsman Service, free of charge.
Who owns State Credit & Investment?
Companies House lists one person with significant control of State Credit & Investment: Mr Brian George Howe (25–50% of shares). Before that, it was controlled by Mr Peter Charles Catterill.
Who runs State Credit & Investment?
Companies House lists one director of State Credit & Investment: Brian George Howe.
How long has State Credit & Investment been in business?
The company was formed on 21 February 1979, and has held its current FCA authorisation since March 2005.
What do State Credit & Investment’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £4.19m (+4.1% from £4.02m) and cash at bank of £2.13m (+102% from £1.05m).

Sources and links

The full report on State Credit & Investment Limited

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