T&t Finance Limited

Reference number: 778400

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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 tandtfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7123 4089 is
  • Who else gives the postcode NW4 2EF
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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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 Advisor
  • Acting as a CBTL arranger
  • 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
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
10527703
Company status
Active
Company type
Private limited company
Incorporated
15 December 2016 (9 years old)
Registered office
Foframe House, 35-37 Brent Street, London, NW4 2EF, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Joseph Tesler Director Jan 1989 15 Dec 2016 1 other company
Samuel Tesler Director Aug 1985 31 Oct 2018 2 other companies

Other companies run by these 2 directors

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
1
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Abridged accountsNot audited

Net assets

£281k

−23% from £364k

Cash at bank

£84.7k

−12% from £95.9k

Employees (average)

9

+29% from 7

Owed within a year

£1.14m

+85% from £618k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2018 to 2025
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 10527703. 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

T&t Finance’s history from the FCA register and Companies House, newest first.

Key events (11) All events (14)

2023

22 September 2023

  • Joseph Tesler stopped being a part-owner
  • Samuel Tesler stopped being a part-owner
  • T&T J Holdings Ltd became a part-owner (25–50% of shares)
  • T&T S Holdings Ltd became a part-owner (25–50% of shares)

Companies House

2022

1 July 2022

  • Joseph Tesler became a part-owner (25–50% of shares)

Companies House

2020

1 December 2020

  • Joseph Tesler stopped being a part-owner

Companies House

2019

17 December 2019

  • Samuel Tesler became a part-owner (25–50% of shares)

Companies House

2017

3 July 2017

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

FCA register

2016

15 December 2016

  • Incorporated at Companies House
  • Joseph Tesler became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (11 shown here)
  • Every director appointment and resignation: 2
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Firms connected to T&t Finance

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like T&t Finance

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

In London

Saga Personal Finance LimitedLondonAuthorisedLegal & General Partnership Services LimitedLondonAuthorisedPrudential Distribution LimitedLondonAuthorisedQuilter Mortgage Planning LimitedLondonAuthorisedEnness LimitedLondonAuthorisedPivotal Financial 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 T&t Finance

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
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 14 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is T&t Finance Limited FCA authorised?
Yes, T&t Finance Limited (FRN 778400) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is T&t Finance’s phone number and website?
The FCA register lists the phone number 020 7123 4089 and the website tandtfinance.co.uk for T&t Finance. If you were given different contact details, use these to check with the firm before going any further.
Is T&t Finance a scam or clone?
T&t Finance 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 T&t Finance?
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 T&t Finance to the Financial Ombudsman Service, free of charge.
Who owns T&t Finance?
Companies House lists 2 people with significant control of T&t Finance: T&T J Holdings Ltd (25–50% of shares) and T&T S Holdings Ltd (25–50% of shares). Before that, it was controlled by Mr Joseph Tesler and Mr Samuel Tesler.
Who runs T&t Finance?
Companies House lists 2 directors of T&t Finance: Joseph Tesler and Samuel Tesler.
How long has T&t Finance been in business?
The company was formed on 15 December 2016, and has held its current FCA authorisation since July 2017.
What do T&t Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £281k (−23% from £364k) and cash at bank of £84.7k (−12% from £95.9k).

Sources and links

The full report on T&t Finance Limited

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