Umega Limited

Reference number: 481075

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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

Howden UK Brokers Limited Reference number: 307663 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.
  • Umega Limited (FRN 481075) is an AR of Howden UK Brokers Limited (FRN 307663). When you use Umega's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Umega, 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.

In the full report: 3 background checks

  • When umega.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 221 0888 is
  • Who else gives the postcode EH5 2DL
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Other names (3)

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

  • Umega Lettings Trading name
  • Umega Lettings Limited Former name
  • Umega Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Howden UK Brokers 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
SC330750
Company status
Active
Company type
Private limited company
Incorporated
11 September 2007 (19 years old)
Registered office
Umega The North Quarter, 496 Ferry Road, Edinburgh, EH5 2DL, Scotland
Nature of business
  • Management of real estate on a fee or contract basis (SIC 68320)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Andrew Mcinnes Director Aug 1979 11 Sep 2007 9 other companies
Andrew Robert Whitmey Director Nov 1978 11 Sep 2007 6 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
12
closed down
4
run together
3

In the full report: all 12 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 3 companies these 2 directors run together
  • All 4 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

Net assets

£200k

+22% from £164k

Cash at bank

£157k

+9% from £144k

Employees (average)

63

+13% from 56

Owed within a year

£557k

−18% from £679k

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 SC330750. 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

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

Key events (9) All events (16)

2026

24 March 2026

  • Changed its registered name from "Umega Lettings Limited"

FCA register

2023

30 August 2023

  • Changed its registered name from "Umega Ltd"

FCA register

2017

11 December 2017

  • Andrew Robert Whitmey stopped being a part-owner
  • Neil Andrew McInnes stopped being a part-owner
  • Umega Holding Limited took control (75–100% of shares)

Companies House

2016

11 September 2016

  • Andrew Robert Whitmey became a part-owner (25–50% of shares)
  • Neil Andrew McInnes became a part-owner (25–50% of shares)

Companies House

2008

2 April 2008

  • Became an appointed representative

FCA register

2007

11 September 2007

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (9 shown here)
  • Every director appointment and resignation: 6
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Firms like Umega

Other firms of the same type (insurance broker), nearest first.

In the Edinburgh (EH) postcode area

Skyscanner LtdEdinburghAppointed representativeArnold Clark Insurance Services LimitedEdinburghAppointed representativeDun Eideann Property LimitedEdinburghAppointed representativeAdvantage Home Finance LtdEdinburghAppointed representativeAIW Mortgages LtdBroxburnAppointed representativeBridges Financial Services LimitedLivingstonAppointed 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 Umega

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Umega Limited FCA authorised?
Umega Limited (FRN 481075) 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 Umega?
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. Umega Limited (FRN 481075) is an AR of Howden UK Brokers Limited (FRN 307663). When you use Umega's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Umega, 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 Umega’s phone number and website?
The FCA register lists the phone number 0131 221 0888 and the website umega.co.uk for Umega. If you were given different contact details, use these to check with the firm before going any further.
Is Umega a scam or clone?
Umega 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 Umega?
Protection works through Howden UK Brokers Limited, the principal firm responsible for Umega's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Umega?
Umega is owned by Umega Holding Limited, which holds 75–100% of shares and 75–100% of votes, since 11 December 2017. Before that, it was controlled by Mr Neil Andrew McInnes and Mr Andrew Robert Whitmey.
Who runs Umega?
Companies House lists 2 directors of Umega: Neil Andrew McInnes and Andrew Robert Whitmey.
How long has Umega been in business?
The company was formed on 11 September 2007.
What do Umega’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £200k (+22% from £164k) and cash at bank of £157k (+9% from £144k).
Does Umega use any other names?
It trades as Umega Lettings. It has previously used 2 other names: Umega Lettings Limited and Umega Ltd.

Sources and links

The full report on Umega Limited

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