Topaz Finance Limited

Reference number: 461671

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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, 1 thing worth a closer look

  • When topazfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 389 1672 is, and the 2 other firms that give it
  • Who else gives the postcode BD23 1FJ
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Other names (21)

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

  • Aspiro Mortgages Trading name
  • Azurite Mortgages Trading name
  • Bloom Homeloans Trading name
  • Heliodor Mortgages Trading name
  • Hessonite Mortgages Trading name
  • Hyalite Mortgages Trading name
  • Jasper Mortgages Trading name
  • Lumen Mortgages Trading name
  • Melanite Mortgages Trading name
  • Morag Finance Trading name
  • Pepper Advantage Trading name
  • Pepper Advantage UK Trading name
  • Rosinca Mortgages Trading name
  • Rosolite Mortgages Trading name
  • Siberite Mortgages Trading name
  • Zephyr Homeloans Trading name
  • Topaz Finance PLC Former name
  • CLS Former trading name
  • Computershare Former trading name
  • Computershare Loan Services Former trading name
  • Computershare Loan Servicing Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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 (13 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
93
upheld, against a 31% median
23%
about mortgages
93

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
05946900
Company status
Active
Company type
Private limited company
Incorporated
26 September 2006 (20 years old)
Registered office
Harman House, 1 George Street, Uxbridge, London, UB8 1QQ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Hillary Frances Elizabeth Ray Director Sep 1963 13 Mar 2026 None
Ganna Agafonova Director Apr 1978 13 Mar 2026 13 other companies
Michael Thomas Gibbons Director Jun 1964 30 Mar 2026 4 other companies
Fraser Mcleod Gemmell (Dr) Director Dec 1977 2 Apr 2026 18 other companies
Aaron Richard Milburn Director Oct 1978 1 May 2026 10 other companies
Sharon Eeles Secretary Not published 1 Feb 2026 –

Other companies run by these 5 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
27
closed down
4
are FCA-registered
3

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 12 companies these 5 directors run together
  • All 41 people who have ever been directors, with their dates
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Key dates in its history

Topaz Finance’s history from the FCA register and Companies House, newest first.

Key events (11) All events (114)

2026

30 April 2026

  • Board replaced: both directors left and 6 new directors took over

Companies House

1 February 2026

  • Advantage Odyssey Limited took control (75–100% of shares)
  • Computershare Investments (UK) (No. 3) Limited gave up control

Companies House

2016

8 April 2016

  • Computershare Investments (UK) (No. 3) Limited took control (75–100% of shares)

Companies House

2015

30 March 2015

  • Board replaced: all 4 directors left and 6 new directors took over

Companies House

2014

31 October 2014

  • Changed its registered name from "Topaz Finance PLC"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

20 March 2009

  • Board replaced: all 3 directors left and 3 new directors took over

Companies House

2007

27 April 2007

  • Became authorised by the FCA

FCA register

26 April 2007

  • Regulated by the Financial Services Authority from this date

FCA register

2006

26 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 114 events

  • All 114 events in its history (11 shown here)
  • Every director appointment and resignation: 77
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Firms connected to Topaz Finance

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

connected firms
4
share a director
3
share its phone number
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Topaz Finance

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

In the Bradford (BD) postcode area

Accord Mortgages LimitedBradfordAuthorised

Elsewhere in the UK

LGT Bank AGVaduzAuthorisedRothschild & Co Wealth Management UK LimitedLondonAuthorisedSocial Money LimitedGreater ManchesterAuthorisedOctopus Investments LimitedLondonAuthorisedPhoenix Group Management Services LimitedBirminghamAuthorised

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 Topaz Finance

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 114 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Topaz Finance Limited FCA authorised?
Yes, Topaz Finance Limited (FRN 461671) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2007 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Topaz Finance’s phone number and website?
The FCA register lists the phone number 0345 389 1672 and the website topazfinance.co.uk for Topaz Finance. 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 2 other FCA firms.
Is Topaz Finance a scam or clone?
Topaz 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 Topaz Finance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Topaz Finance to the Financial Ombudsman Service, free of charge.
Who owns Topaz Finance?
Topaz Finance is owned by Advantage Odyssey Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2026. Before that, it was controlled by Computershare Investments (UK) (No. 3) Limited.
Who runs Topaz Finance?
Companies House lists 5 directors of Topaz Finance: Hillary Frances Elizabeth Ray, Ganna Agafonova, Michael Thomas Gibbons, Fraser McLeod Gemmell (Dr) and Aaron Richard Milburn.
How long has Topaz Finance been in business?
The company was formed on 26 September 2006, and has held its current FCA authorisation since April 2007.
How many complaints does Topaz Finance get?
In January–June 2025, the Financial Ombudsman Service received 93 new complaints about Topaz Finance, and upheld 23% of those it decided.
Does Topaz Finance use any other names?
It trades as Aspiro Mortgages, Azurite Mortgages, Bloom Homeloans, Heliodor Mortgages and Hessonite Mortgages, and 11 more names. It has previously used 5 other names, including Topaz Finance PLC, CLS and Computershare.

Sources and links

The full report on Topaz Finance Limited

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