UrbanSpencer Limited

Reference number: 1002317

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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

  • When urbanspencer.com first appeared online, and whether it can receive email
  • What kind of line 07476 418037 is
  • Who else gives the postcode GL50 1SR
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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
  • Dealing in investments as agent
  • 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
13829132
Company status
Active
Company type
Private limited company
Incorporated
5 January 2022 (4 years old)
Registered office
22 The Courtyard, Montpellier Street, Cheltenham, Gloucestershire, GL50 1SR, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Real estate agencies (SIC 68310)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel Spencer Eagan Director Feb 1982 5 Jan 2022 2 other companies

Other companies run by its director

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
2
closed down
1
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

14 months to 31 March 2025Micro-entity accountsNot audited

Net assets

£823

Up £822 from £1

Employees (average)

0

No earlier figure to compare

Owed within a year

£16.0k

No earlier figure to compare

Net assets

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 13829132. 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

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

2024

2 April 2024

  • Regulated by the FCA from this date
  • Became authorised by the FCA
  • FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

2022

5 January 2022

  • Incorporated at Companies House
  • Daniel Spencer Eagan took control (75–100% of shares)
  • Daniel Spencer Eagan appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to UrbanSpencer

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like UrbanSpencer

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

In Cheltenham

Ashbridge Partners LimitedCheltenhamAuthorisedRaymond & Thomas LimitedCheltenhamAuthorisedThe Finance Roome LtdCheltenhamAuthorisedAndrew PrescottCheltenhamAppointed representativeAviella Consulting LimitedCheltenhamAppointed representativeBallard Associates LtdCheltenhamAppointed 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 UrbanSpencer

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is UrbanSpencer Limited FCA authorised?
Yes, UrbanSpencer Limited (FRN 1002317) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2024 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is UrbanSpencer’s phone number and website?
The FCA register lists the phone number 07476 418037 and the website urbanspencer.com for UrbanSpencer. If you were given different contact details, use these to check with the firm before going any further.
Is UrbanSpencer a scam or clone?
UrbanSpencer 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 UrbanSpencer?
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 UrbanSpencer to the Financial Ombudsman Service, free of charge.
Who owns UrbanSpencer?
Companies House lists one person with significant control of UrbanSpencer: Mr Daniel Spencer Eagan (75–100% of shares).
Who runs UrbanSpencer?
Companies House lists one director of UrbanSpencer: Daniel Spencer Eagan.
How long has UrbanSpencer been in business?
The company was formed on 5 January 2022, and has held its current FCA authorisation since April 2024.
What do UrbanSpencer’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £823 (up £822 from £1).

Sources and links

The full report on UrbanSpencer Limited

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