Umari Finance Group Limited

Reference number: 994960

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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 umari.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7078 4181 is
  • Whether EC1V 2NX is a shared office: 214 other firms give it
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Other names (7)

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

  • Appleton Mortgages Trading name
  • FP Finance Trading name
  • Haneli Capital Trading name
  • Mortgages by Umair Trading name
  • Otis Financial Solutions Trading name
  • Principle Mortgages Direct Trading name
  • Mortgages by Umair Limited Former name

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.
  • 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
  • Credit Broking
  • Debt-counselling
  • 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
14439156
Company status
Active
Company type
Private limited company
Incorporated
24 October 2022 (3 years old)
Registered office
124 City Road, London, EC1V 2NX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Umair Afzal Director Jul 1993 24 Oct 2022 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£41.5k

+155% from £16.3k

Employees (average)

1

Up 1 from 0

Owed within a year

£17.8k

+20% from £14.8k

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 14439156. 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

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

Key events (5) All events (13)

2024

21 February 2024

  • Changed its registered name from "Mortgages by Umair Limited"

FCA register

2023

20 November 2023

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

FCA register

2022

24 October 2022

  • Incorporated at Companies House
  • Umair Afzal took control (75–100% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Umari Finance Group

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 Umari Finance Group

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 13 events in its history

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Frequently asked questions about this firm

Is Umari Finance Group Limited FCA authorised?
Yes, Umari Finance Group Limited (FRN 994960) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2023 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Umari Finance Group’s phone number and website?
The FCA register lists the phone number 020 7078 4181 and the website umari.co.uk for Umari Finance Group. If you were given different contact details, use these to check with the firm before going any further.
Is Umari Finance Group a scam or clone?
Umari Finance Group 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 Umari Finance Group?
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 Umari Finance Group to the Financial Ombudsman Service, free of charge.
Who owns Umari Finance Group?
Companies House lists one person with significant control of Umari Finance Group: Mr Umair Afzal (75–100% of shares).
Who runs Umari Finance Group?
Companies House lists one director of Umari Finance Group: Umair Afzal.
How long has Umari Finance Group been in business?
The company was formed on 24 October 2022, and has held its current FCA authorisation since November 2023.
What do Umari Finance Group’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £41.5k (+155% from £16.3k).
Does Umari Finance Group use any other names?
It trades as Appleton Mortgages, FP Finance, Haneli Capital, Mortgages by Umair and Otis Financial Solutions, and 1 more names. It has previously used the name Mortgages by Umair Limited.

Sources and links

The full report on Umari Finance Group Limited

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