The Later Life Lending Network Limited

Reference number: 725622

Instant download

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

The Right Mortgage Limited Reference number: 649443 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.
  • The Later Life Lending Network Limited (FRN 725622) is an AR of The Right Mortgage Limited (FRN 649443). When you use The Later Life Lending Network's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Later Life Lending Network, 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

    01564 732744

  • Address

    70 St. Johns Close, Knowle, Solihull, West Midlands, B93 0NH, United Kingdom

In the full report: 2 background checks

  • What kind of line 01564 732744 is, and the other firm that gives it
  • Who else gives the postcode B93 0NH
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Other names (126)

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

  • Advice For Later Life Trading name
  • Best Financial Solutions Trading name
  • Equity Release 2 U Trading name
  • Equity Release Midlands Trading name
  • Equity Release Sussex Trading name
  • Equity Release Teeside Trading name
  • Later Life Advisors Trading name
  • Lifetime Mortgage Finance Trading name
  • lifetimemortgages.info Trading name
  • OurEquity Trading name
  • Panda Later Life Lending Trading name
  • PFS Finance Trading name
  • Reynolds Financial Trading name
  • Sage Equity Release Trading name
  • The Later Life Lending Network Ltd Former name
  • TRM Financial Ltd Former name
  • ACC Associates Former trading name
  • Advantage Financial Solutions Former trading name
  • Amrose Insurance Services Former trading name
  • Anderson Scott Former trading name
  • Arden Equity Release Former trading name
  • Banner Equity Release Former trading name
  • Bespoke Mortgage & Protection Services Former trading name
  • Best Health Protect Former trading name
  • Bliss Mortgage Brokers Former trading name
  • Bright Money Independent Former trading name
  • Brookhaven Financial Former trading name
  • Chancery Barr Financial Services Former trading name
  • Chigwell Financial Solutions Former trading name
  • Clarendon Mortgage Brokers Former trading name
  • Clear Planning Former trading name
  • Compare the Policies Former trading name
  • Compare the Policies (CTP) Former trading name
  • Covertree Former trading name
  • Darrell Taylor Financial Services Former trading name
  • Dedicated Mortgage Solutions Former trading name
  • DHH Mortgages Former trading name
  • Dorset Financial Planning Former trading name
  • Downsizing ER Former trading name
  • Easy Life Financial Services Former trading name
  • Easy Mortgages & Protection Solutions Former trading name
  • Elite Mortgages Former trading name
  • Equity Release 999 Former trading name
  • Everyday Mortgages Former trading name
  • Four Seasons Property Finance Former trading name
  • Freshfield Equity Release Former trading name
  • Frog Financial Management Former trading name
  • Frontline Discount Former trading name
  • Future Advice Former trading name
  • Healthcare Clarity Former trading name
  • H & L Mortgages and Protection Former trading name
  • I.I Financial Services Former trading name
  • IM Mortgages Former trading name
  • Intouch Mortgage Services Former trading name
  • JMD Mortgages Former trading name
  • Later Years Financial Solutions Former trading name
  • Legacy Equity Release Former trading name
  • Lifetime Mortgage Solutions Former trading name
  • LMK Mortgages Former trading name
  • London Equity Release Former trading name
  • London Lifetime Mortgages Former trading name
  • Mark Hodson Equity Release and Mortgage Specialist Former trading name
  • Maximise Mortgages Former trading name
  • Maxwell Dando Former trading name
  • Medic Healthcare Former trading name
  • Merewood Financial Services Former trading name
  • Michael Andrew Financial Services Former trading name
  • Midland Mortgage Bureau Former trading name
  • Moneybrain (L) Former trading name
  • Moore Financial Solutions Former trading name
  • Mortgage and Protection Solutions Former trading name
  • Mortgage International Former trading name
  • Mortgage Lending Solutions Former trading name
  • Mortgage Maker Former trading name
  • Mortgage Quest Former trading name
  • Mortgage Superheroes Former trading name
  • Mortgages Warehouse Former trading name
  • New Mortgage Solutions Former trading name
  • Next Step Advice Former trading name
  • NLS Essex Former trading name
  • Paul Leonard Financial Associates Former trading name
  • PDM Mortgages Former trading name
  • Personal Face 2 Face Advice Former trading name
  • Premier Financial Services Former trading name
  • Private Healthcare Advisers Former trading name
  • Protect Your Health UK Former trading name
  • Purple House Mortgages & Finance Former trading name
  • Quercus Mortgages Former trading name
  • RC Financial Former trading name
  • Richard Biggin Former trading name
  • Roger Mandale Mortgages Former trading name
  • Roost Finance Former trading name
  • Root Financial Services Former trading name
  • Sarali Financial Services Former trading name
  • Silicon Finance Former trading name
  • Silveridge Financial Services Former trading name
  • Simply Independent Former trading name
  • Simply Life Former trading name
  • Simply Mortgage Solutions Former trading name
  • S.J Fahey Associates Former trading name
  • Skyline Mortgage Consultants Former trading name
  • Southwest Equity Release Former trading name
  • Spartan Financial Solutions Former trading name
  • Sportswise-Protect Former trading name
  • Stamford UK Financial Former trading name
  • Steel & Co Financial Services Former trading name
  • Steve Wellock Mortgage Services Former trading name
  • Strathon Park Financial Former trading name
  • Strictly Mortgages Former trading name
  • The Clear Equity Release Former trading name
  • The Employee Benefits Company Former trading name
  • The Equity Release Advice Company Former trading name
  • The Later Life Lending and Equity Release Network Former trading name
  • The Mortgage Crew Former trading name
  • The Mortgage Shop Former trading name
  • The Mortgage Test Former trading name
  • The Right Equity Release and Later Life Lending Former trading name
  • The Right Later Life Adviser Former trading name
  • The Right Protection Former trading name
  • True Solution Mortgage and Financial Advice Former trading name
  • Unleash Equity Former trading name
  • Vida Insurance Advisers Former trading name
  • Visibly Health Former trading name
  • Vitality Mortgages Former trading name
  • Woodshires Financial Former trading name
  • Wycena Financial Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
09832887
Company status
Active
Company type
Private limited company
Incorporated
20 October 2015 (11 years old)
Registered office
70 St. Johns Close, Knowle, Solihull, B93 0NH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam Norman Stretton Director May 1965 20 Oct 2015 16 other companies
Martin Gregory Wilson Director Oct 1959 20 Oct 2015 38 other companies
Victoria Ann Clark Director Jul 1997 7 Dec 2021 None
Jade Michelle Ann Mitchell Director Jun 1987 15 Aug 2023 12 other companies

Other companies run by these 4 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
44
closed down
24
are FCA-registered
7

In the full report: all 44 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register
  • The 16 companies these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£4,702

+1% from £4,655

Cash at bank

£49.6k

+31% from £37.9k

Employees (average)

2

Same as 2

Owed within a year

£52.7k

+34% from £39.4k

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
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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 09832887. 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

The Later Life Lending Network’s history from the FCA register and Companies House, newest first.

Key events (9) All events (252)

2024

13 December 2024

  • Changed its registered name from "The Later Life Lending Network Ltd"

FCA register

2022

21 February 2022

  • Changed its registered name from "TRM Financial Ltd"

FCA register

2020

12 October 2020

  • The Right Partnership Limited took control (75–100% of shares)

Companies House

7 October 2020

  • Adam Norman Stretton stopped being a part-owner
  • Martin Gregory Wilson stopped being a part-owner

Companies House

2016

6 April 2016

  • Adam Norman Stretton became a part-owner (25–50% of shares)
  • Martin Gregory Wilson became a part-owner (25–50% of shares)

Companies House

2015

16 November 2015

  • Became an appointed representative

FCA register

20 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 252 events

  • All 252 events in its history (9 shown here)
  • Every director appointment and resignation: 6
Instant PDF download

Firms connected to The Later Life Lending Network

Other FCA-listed firms that share a director, phone number or address with The Later Life Lending Network. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
4
share its phone number
1

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (4), the same phone number (1), the same postcode (5)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
Instant PDF download

Firms like The Later Life Lending Network

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

In Solihull

AAG Mortgage Brokerage LtdSolihullAppointed representativeAiles Mortgage Solutions LimitedSolihullAppointed representativeBentley Ash Mortgage ManagementSolihullAppointed representativeBlossomfield Group LtdSolihullAppointed representativeDiann SchofieldSolihullAppointed representativeDurant & Co (Finance) LimitedSolihullAppointed 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 The Later Life Lending Network

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

  • 44 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 252 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Later Life Lending Network Limited FCA authorised?
The Later Life Lending Network Limited (FRN 725622) 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 The Later Life Lending Network?
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. The Later Life Lending Network Limited (FRN 725622) is an AR of The Right Mortgage Limited (FRN 649443). When you use The Later Life Lending Network's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Later Life Lending Network, 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 The Later Life Lending Network’s phone number?
The FCA register lists the phone number 01564 732744 for The Later Life Lending Network. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is The Later Life Lending Network a scam or clone?
The Later Life Lending Network 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 The Later Life Lending Network?
Protection works through The Right Mortgage Limited, the principal firm responsible for The Later Life Lending Network's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Later Life Lending Network?
The Later Life Lending Network is owned by The Right Partnership Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 12 October 2020. Before that, it was controlled by Mr Adam Norman Stretton and Mr Martin Gregory Wilson.
Who runs The Later Life Lending Network?
Companies House lists 4 directors of The Later Life Lending Network: Adam Norman Stretton, Martin Gregory Wilson, Victoria Ann Clark and Jade Michelle Ann Mitchell.
How long has The Later Life Lending Network been in business?
The company was formed on 20 October 2015.
What do The Later Life Lending Network’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £4,702 (+1% from £4,655) and cash at bank of £49.6k (+31% from £37.9k).
Does The Later Life Lending Network use any other names?
It trades as Advice For Later Life, Best Financial Solutions, Equity Release 2 U, Equity Release Midlands and Equity Release Sussex, and 9 more names. It has previously used 112 other names, including The Later Life Lending Network Ltd, TRM Financial Ltd and ACC Associates.

Sources and links

The full report on The Later Life Lending Network Limited

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