The Retirement Lending Advisers: FCA regulated?

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.

Appointed for 11 years
Protected through the principal
No FCA actions
Active company since 2015
Accounts are overdue at Companies House

Responsible principal firm

Key Retirement Solutions Limited Reference number: 224987 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 Retirement Lending Advisers (FRN 712034) is an AR of Key Retirement Solutions Limited (FRN 224987). When you use The Retirement Lending Advisers's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from The Retirement Lending Advisers, 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

0800 294 2607
Address

Baines House, 4 Midgery Court, Fulwood, Preston, Lancashire, PR2 9ZH, United Kingdom

In the full report: 2 background checks

What kind of line 0800 294 2607 is, and the other firm that gives it
Who else gives the postcode PR2 9ZH

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Key Retirement Solutions 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.

Concerns on the company record

Accounts are overdue at Companies House.

Company name: THE RETIREMENT LENDING ADVISERS LIMITED
Company number: 09685037 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 July 2015 (11 years old)
Registered office: Baines House Midgery Court, Fullwood, Preston, Lancashire, PR2 9ZH, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon Christopher Thompson	Director	Nov 1972	14 Jul 2015	35 other companies
William Benjamin Hale	Director	Oct 1975	7 Nov 2017	23 other companies
James Tristan Perkin	Director	Sep 1980	28 Jan 2026	27 other companies

Other companies run by these 3 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: 8
are FCA-registered: 6

In the full report: all 44 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 6 on the FCA register
The 23 companies these 3 directors run together
All 7 people who have ever been directors, with their dates

Key dates in its history

The Retirement Lending Advisers’s history from the FCA register and Companies House, newest first.

Key events (3) All events (14)

2016

6 April 2016

Key Retirement Solutions Limited took control (75–100% of shares)

Companies House

2015

29 July 2015

Became an appointed representative

FCA register

14 July 2015

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (3 shown here)
Every director appointment and resignation: 11

Firms connected to The Retirement Lending Advisers

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

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

In the full report: all 5 connected firms, named

How each is linked: shared directors (5), the same phone number (1), the same postcode (5)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like The Retirement Lending Advisers

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

In Preston

Admarsh Mortgage's LtdPrestonAppointed representative Bridge Mortgages and Protection LtdPrestonAppointed representative Farrell Heyworth Mortgages & Protection LtdPrestonAppointed representative Financial Minefield LtdPrestonAppointed representative Garstang Mortgages LimitedPrestonAppointed representative Griffith And Sharp Mortgage Services LimitedPrestonAppointed 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 Retirement Lending Advisers

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
All 14 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Retirement Lending Advisers FCA authorised?

The Retirement Lending Advisers (FRN 712034) 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 Retirement Lending Advisers?

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 Retirement Lending Advisers (FRN 712034) is an AR of Key Retirement Solutions Limited (FRN 224987). When you use The Retirement Lending Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Retirement Lending Advisers, 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 Retirement Lending Advisers’ phone number?

The FCA register lists the phone number 0800 294 2607 for The Retirement Lending Advisers. 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 Retirement Lending Advisers a scam or clone?

The Retirement Lending Advisers 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 Retirement Lending Advisers?

Protection works through Key Retirement Solutions Limited, the principal firm responsible for The Retirement Lending Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns The Retirement Lending Advisers?

The Retirement Lending Advisers is owned by Key Retirement Solutions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs The Retirement Lending Advisers?

Companies House lists 3 directors of The Retirement Lending Advisers: Simon Christopher Thompson, William Benjamin Hale and James Tristan Perkin.

How long has The Retirement Lending Advisers been in business?

The company was formed on 14 July 2015.