Wealthspend Limited

Reference number: 160735

Instant download

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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Wealthspend Limited (FRN 160735) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Wealthspend's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Wealthspend, 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.

  • No website on the FCA register

  • Phone number

    01953 607313

  • Address

    1 Market Street, Wymondham, Norfolk, NR18 0AJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 01953 607313 is
  • Who else gives the postcode NR18 0AJ
Instant PDF download
Other names (4)

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

  • Innovation Mortgages Trading name
  • Warners Financial Services Trading name
  • Warners Financial Services Ltd Former name
  • Wealthspend Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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
02108373
Company status
Active
Company type
Private limited company
Incorporated
10 March 1987 (39 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Laura Jayne Hood Director Oct 1988 24 Apr 2026 None
Keith Robert Hood Director Mar 1959 Not published 2 other companies
Keith Robert Hood Secretary Not published Not published 2 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
2
closed down
2

In the full report: all 2 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
  • All 4 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Net assets

£1.11m

+7% from £1.04m

Cash at bank

£968k

<1% from £960k

Employees (average)

8

−20% from 10

Owed within a year

£86.9k

−39% from £143k

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
Instant PDF download
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.

Accounts filed at Companies House for company 02108373. 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

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

Key events (8) All events (14)

2026

1 July 2026

  • Keith Robert Hood stopped being a part-owner
  • Mark Adrian Hood became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Keith Robert Hood became a part-owner (25–50% of shares)
  • Reginald Warner became a part-owner (25–50% of shares)

Companies House

2004

18 November 2004

  • Changed its registered name from "Warners Financial Services Ltd"

FCA register

2002

7 June 2002

  • Changed its registered name from "Wealthspend Ltd"

FCA register

1987

4 December 1987

  • Became an appointed representative

FCA register

10 March 1987

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (8 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms like Wealthspend

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

In Wymondham

Robert GeppWymondhamAppointed representative

In the Norwich (NR) postcode area

Mortgage Seeker LimitedGreat YarmouthAppointed representativeHaysto LtdNorwichAppointed representativeActive Mortgage Solutions (East Anglia) LtdNorwichAppointed representativeAndrew Michael MorrisNorwichAppointed representativeAnna ByeAttleboroughAppointed 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 Wealthspend

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Wealthspend Limited FCA authorised?
Wealthspend Limited (FRN 160735) 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 Wealthspend?
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. Wealthspend Limited (FRN 160735) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Wealthspend's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Wealthspend, 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 Wealthspend’s phone number?
The FCA register lists the phone number 01953 607313 for Wealthspend. If you were given different contact details, use these to check with the firm before going any further.
Is Wealthspend a scam or clone?
Wealthspend 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 Wealthspend?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Wealthspend's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Wealthspend?
Companies House lists 2 people with significant control of Wealthspend: Mr Mark Adrian Hood (25–50% of shares) and Mr Reginald Warner (25–50% of shares). Before that, it was controlled by Mr Keith Robert Hood.
Who runs Wealthspend?
Companies House lists 2 directors of Wealthspend: Laura Jayne Hood and Keith Robert Hood.
How long has Wealthspend been in business?
The company was formed on 10 March 1987.
What do Wealthspend’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £1.11m (+7% from £1.04m) and cash at bank of £968k (<1% from £960k).
Does Wealthspend use any other names?
It trades as Innovation Mortgages and Warners Financial Services. It has previously used 2 other names: Warners Financial Services Ltd and Wealthspend Ltd.

Sources and links

The full report on Wealthspend Limited

£19.99 · Instant PDF download

Loading secure checkout…