West Coast Finance Ltd

Reference number: 628522

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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 westcoastfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01239 711194 is
  • Who else gives the postcode SA38 9PD
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Other names (2)

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

  • cyllid mor finance Former name
  • Cyllid Mor Finance Limited Former name

FCA permissions and consumer protection

  • 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 (1 permission)
  • Credit Broking

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
09101449
Company status
Active
Company type
Private limited company
Incorporated
25 June 2014 (12 years old)
Registered office
Leeside, Cwm Cou, Newcastle Emlyn, Ceredigion, SA38 9PD
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Joanne Nicole Lote-Williams Director Mar 1974 25 Jun 2014 None
Paul Lote-Williams Director Mar 1970 25 Jun 2014 1 other company

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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 one on the FCA register
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Filed accounts and finances

Year to 30 June 2026Small company accountsNot audited

Net assets

£35.9k

+2.7% from £34.9k

Cash at bank

£10.1k

−63% from £27.4k

Employees (average)

3

+50% from 2

Owed within a year

£6,816

−43% from £12.1k

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 09101449. 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

West Coast Finance’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2017

4 December 2017

  • Changed its registered name from "Cyllid Mor Finance Limited"

FCA register

2016

6 April 2016

  • Joanne Nicole Lote-Williams became a part-owner (25–50% of shares)
  • Paul Lote-Williams became a part-owner (25–50% of shares)

Companies House

2014

12 November 2014

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

17 July 2014

  • Changed its registered name from "cyllid mor finance"

FCA register

25 June 2014

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to West Coast Finance

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like West Coast Finance

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

In the Swansea (SA) postcode area

alan richard woodsSwanseaAuthorisedBeacon Cymru Group LimitedSwanseaAuthorisedBusiness Finance and Leasing LimitedSwanseaAuthorisedBusiness Mortgage SolutionsTenbyAuthorisedCambrian Asset Finance LimitedAmmanfordAuthorisedEdward H Perkins Chartered SurveyorsHaverfordwestAuthorised

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 West Coast Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is West Coast Finance Ltd FCA authorised?
Yes, West Coast Finance Ltd (FRN 628522) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2014 and works as a credit broker. The FCA has placed no limits on its permissions.
What is West Coast Finance’s phone number and website?
The FCA register lists the phone number 01239 711194 and the website westcoastfinance.co.uk for West Coast Finance. If you were given different contact details, use these to check with the firm before going any further.
Is West Coast Finance a scam or clone?
West Coast Finance 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 West Coast Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how West Coast Finance handles your money, so check the specific product before you commit. You can also refer complaints about West Coast Finance to the Financial Ombudsman Service, free of charge.
Who owns West Coast Finance?
Companies House lists 2 people with significant control of West Coast Finance: Mr Paul Lote-Williams (25–50% of shares) and Mrs Joanne Nicole Lote-Williams (25–50% of shares).
Who runs West Coast Finance?
Companies House lists 2 directors of West Coast Finance: Joanne Nicole Lote-Williams and Paul Lote-Williams.
How long has West Coast Finance been in business?
The company was formed on 25 June 2014, and has held its current FCA authorisation since November 2014.
What do West Coast Finance’s latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of £35.9k (+2.7% from £34.9k) and cash at bank of £10.1k (−63% from £27.4k).
Does West Coast Finance use any other names?
It has previously used 2 other names: cyllid mor finance and Cyllid Mor Finance Limited.

Sources and links

The full report on West Coast Finance Ltd

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