Warm Life Limited
Reference number: 1055836
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 December 2025
Responsible principal firm
HTG Finance Limited Reference number: 825534 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- WARM LIFE LIMITED (FRN 1055836) introduces customers to HTG Finance Limited (FRN 825534). Any regulated advice or arranging is done by the principal, not WARM LIFE.
- Example: if WARM LIFE refers you to a financial adviser, the advice should come from the principal firm, not from WARM LIFE itself.
- 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.
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Phone number
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Address
Regus Office, 314 Midsummer Boulevard, Milton Keynes, MK9 2UB, United Kingdom
In the full report: 3 background checks
- When warmlifeltd.co.uk first appeared online, and whether it can receive email
- What kind of line 020 3839 9999 is
- Who else gives the postcode MK9 2UB
FCA permissions and consumer protection
- Protection through the principal firmProtection works through HTG Finance 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, freeYou 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
- 13079283 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 December 2020 (5 years old)
- Registered office
- Suite E, 224 Regency Court, Upper Fifth Street, Milton Keynes, MK9 2HR, United Kingdom
- Nature of business
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- Other service activities not elsewhere classified (SIC 96090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Haroon Mahmood | Director | Sep 1985 | 14 Dec 2020 | 5 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
- 5
- still active
- 5
In the full report: all 5 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
Filed accounts and finances
Net assets
£239k
−8.3% from £261k
Employees (average)
20
−9.1% from 22
Owed within a year
£246k
−49% from £482k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- The chart, over every year
- Every filed figure, year by year
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 13079283. 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
Warm Life’s history from the FCA register and Companies House, newest first.
2026
30 April 2026
- Became an introducer appointed representative
- Began trading as "Warm Life"
FCA register
2020
14 December 2020
- Incorporated at Companies House
- Haroon Mahmood gained significant control
- Haroon Mahmood appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Warm Life
Other FCA-listed firms that share a director, phone number or address with Warm Life. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- no longer authorised
- 1
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Warm Life
Other firms of the same type (credit broker), nearest first.
In Milton Keynes
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 Warm Life
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 5 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Warm Life Limited FCA authorised?
What does introducer appointed representative mean for Warm Life?
What is Warm Life’s phone number and website?
Is Warm Life a scam or clone?
Is my money safe with Warm Life?
Who owns Warm Life?
Who runs Warm Life?
How long has Warm Life been in business?
What do Warm Life’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk