West One Loan Limited

Reference number: 510024

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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 westoneloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 123 4556 is, and the other firm that gives it
  • Who else gives the postcode WD17 1JW
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Other names (4)

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

  • West One Trading name
  • West One Bridging Trading name
  • West One Loans Trading name
  • West One Secured Lending Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Run or oversee funds 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 (5 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender
  • Managing an unauthorised AIF

Limits on what they may do

  • Must not control client money & Assets
    The firm may hold but must not control client money or assets.
One supervisory condition set by the FCA

These are conditions the FCA places on the firm itself, covering things like capital it must hold and what it must report. They do not change what the firm may do for you.

  • Small Authorised UK AIFM (Sub-Threshold)
    The total value of assets under management by the firm must not exceed the relevant threshold as set out in Article 3(2) of AIFMD (as determined under Chapter II, section I of the AIFMD level 2 regulation). In the event that the relevant threshold is breached, the firm must submit an application for authorisation as a Full-scope UK AIFM to the FCA

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
05385677
Company status
Active
Company type
Private limited company
Incorporated
8 March 2005 (21 years old)
Registered office
Third Floor The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Emily Henrietta Gestetner Director Apr 1967 8 Aug 2014 89 other companies
Danny Stephen Waters Director Oct 1984 8 Aug 2014 23 other companies
Stephen Andrew Hogg Director Feb 1982 11 Oct 2019 7 other companies
Mark Preston Director Feb 1960 3 Apr 2023 3 other companies

Other companies run by these 4 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
95
closed down
62
are FCA-registered
3

In the full report: all 95 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 21 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£105.0m

+71% from £61.6m

Cash at bank

£11.3m

+149% from £4.54m

Employees (average)

35

+40% from 25

Owed within a year

£27.8m

Up £26.1m from £1.69m

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £65.4m turnover and £28.0m profit, for the year to 31 December 2023.

Turnover and profit

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 05385677. 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 One Loan’s history from the FCA register and Companies House, newest first.

Key events (7) All events (32)

2016

6 April 2016

  • Enra Specialist Finance Limited took control (75–100% of shares)

Companies House

2015

4 March 2015

  • FCA imposed a requirement (Small Authorised UK AIFM (Sub-Threshold))

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

10 August 2011

  • FCA imposed a requirement (Must not control client money & Assets)

FCA register

2010

6 October 2010

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2005

8 March 2005

  • Incorporated at Companies House

Companies House

In the full report: all 32 events

  • All 32 events in its history (7 shown here)
  • Every director appointment and resignation: 18
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Firms connected to West One Loan

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

connected firms
3
share a director
3
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like West One Loan

Other firms of the same type (mortgage lender), nearest first.

In Watford

Central Trust LimitedWatfordAuthorisedWatchtower Finance LimitedWatfordAuthorisedWest One Secured Loans LimitedWatfordAuthorised

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 One Loan

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

  • 95 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 32 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is West One Loan Limited FCA authorised?
Yes, West One Loan Limited (FRN 510024) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2010 and works as a mortgage lender. The FCA has placed a limit on what it may do.
What is West One Loan’s phone number and website?
The FCA register lists the phone number 0333 123 4556 and the website westoneloans.co.uk for West One Loan. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is West One Loan a scam or clone?
West One Loan 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 One Loan?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about West One Loan to the Financial Ombudsman Service, free of charge.
Who owns West One Loan?
West One Loan is owned by Enra Specialist Finance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs West One Loan?
Companies House lists 4 directors of West One Loan: Emily Henrietta Gestetner, Danny Stephen Waters, Stephen Andrew Hogg and Mark Preston.
How long has West One Loan been in business?
The company was formed on 8 March 2005, and has held its current FCA authorisation since October 2010.
What do West One Loan’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £105.0m (+71% from £61.6m) and cash at bank of £11.3m (+149% from £4.54m).
Does West One Loan use any other names?
It trades as West One, West One Bridging, West One Loans and West One Secured Lending.

Sources and links

The full report on West One Loan Limited

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