West One Secured Loans Limited
Reference number: 776026
Instant download
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.
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Phone number
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Address
Enra Specialist Finance Ltd, Edward Hyde Building, 38 Clarendon Road, Watford, Hertfordshire, WD17 1JW, United Kingdom
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
Other names (1)
If you were contacted under any of these names, it is this firm.
- West One Trading name: A name it trades under now.
FCA permissions and consumer protection
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou 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 arranger
- Acting as a CBTL lender
- Administering a regulated mortgage contract
- Entering into a regulated mortgage contract as lender
Limits on what they may do
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Voluntary Requirement (VREQ)
The Firm must not, without the prior written consent of the Authority, provide any new loans or amend or extend any existing loans to customers transferred from West One Commercial Mortgages Limited (an unregulated and unregistered lending business winding down its activities) until the Firm has completed customer due diligence to the Authority’s satisfaction.
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
- 09425230 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 February 2015 (11 years old)
- Registered office
- Third Floor The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW, United Kingdom
- Nature of business
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- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Emily Henrietta Gestetner | Director | Apr 1967 | 28 May 2015 | 89 other companies |
| Danny Stephen Waters | Director | Oct 1984 | 28 May 2015 | 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 8 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£66.3m
+44% from £46.2m
Cash at bank
£16.0m
+91% from £8.38m
Employees (average)
81
+69% from 48
Owed within a year
£26.0m
−54% from £56.3m
The accounts for the year to 31 December 2025 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £11.8m, for the year to 31 December 2023.
Profit before tax
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 09425230. 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 Secured Loans’s history from the FCA register and Companies House, newest first.
2026
7 August 2026
- FCA imposed a requirement (Voluntary Requirement (VREQ))
FCA register
2017
2 October 2017
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2016
6 April 2016
- West One Secured Loans Holdings Limited took control (75–100% of shares)
Companies House
2015
5 February 2015
- Incorporated at Companies House
Companies House
In the full report: all 16 events
- All 16 events in its history (5 shown here)
- Every director appointment and resignation: 8
Firms connected to West One Secured Loans
Other FCA-listed firms that share a director, phone number or address with West One Secured Loans. 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
Firms like West One Secured Loans
Other firms of the same type (mortgage lender), nearest first.
In Watford
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 Secured Loans
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 16 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk