Wells Financial Ltd

Reference number: 570863

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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 wellsfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01892 517171 is
  • Who else gives the postcode TN1 1XP
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Other names (4)

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

  • Bretlands Financial Services Former trading name
  • The Independent Mortgage Shop Former trading name
  • The Life Cover Shop Former trading name
  • The Mortgage Shop Former trading 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07692470
Company status
Active
Company type
Private limited company
Incorporated
4 July 2011 (15 years old)
Registered office
Linden House, Linden Close, Tunbridge Wells, Kent, TN4 8HH, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam Paul Gresham Steger Director Oct 1968 4 Jul 2011 None
Steven Andrew Windley Director Oct 1970 4 Jul 2011 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£369k

+49% from £248k

Employees (average)

4

Same as 4

Owed within a year

£15.0k

−82% from £84.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 07692470. 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

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

Key events (7) All events (20)

2016

6 April 2016

  • Adam Paul Gresham Steger became a part-owner (25–50% of shares)
  • Steven Andrew Windley became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

30 April 2012

  • FCA imposed a requirement (Firm to abide by deed poll regarding past business)
  • Became authorised by the FCA

FCA register

2011

21 December 2011

  • Regulated by the Financial Services Authority from this date

FCA register

4 July 2011

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Wells Financial

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Wells Financial

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

In Tunbridge Wells

CMC Financial LtdTunbridge WellsAppointed representativeDaniel KitchenerTunbridge WellsAppointed representativeDeborah Fiona BriggsTunbridge WellsAppointed representativeLois Browning Financial LimitedTunbridge WellsAppointed representativeNext Step Financial Solutions LtdTunbridge WellsAppointed representativePaul Anthony FaseyTunbridge WellsAppointed 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 Wells Financial

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
  • 7 years of accounts, charted
  • All 20 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Wells Financial Ltd FCA authorised?
Yes, Wells Financial Ltd (FRN 570863) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2012 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Wells Financial’s phone number and website?
The FCA register lists the phone number 01892 517171 and the website wellsfinancial.co.uk for Wells Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Wells Financial a scam or clone?
Wells Financial 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 Wells Financial?
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 Wells Financial to the Financial Ombudsman Service, free of charge.
Who owns Wells Financial?
Companies House lists 2 people with significant control of Wells Financial: Adam Paul Gresham Steger (25–50% of shares) and Mr Steven Andrew Windley (25–50% of shares).
Who runs Wells Financial?
Companies House lists 2 directors of Wells Financial: Adam Paul Gresham Steger and Steven Andrew Windley.
How long has Wells Financial been in business?
The company was formed on 4 July 2011, and has held its current FCA authorisation since April 2012.
What do Wells Financial’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £369k (+49% from £248k).
Does Wells Financial use any other names?
It has previously used 4 other names, including Bretlands Financial Services, The Independent Mortgage Shop and The Life Cover Shop.

Sources and links

The full report on Wells Financial Ltd

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