Yorkshire Financial Consultancy Limited

Reference number: 201855

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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

First Complete Limited Reference number: 435779 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.
  • Yorkshire Financial Consultancy Limited (FRN 201855) is an AR of First Complete Limited (FRN 435779). When you use Yorkshire Financial Consultancy's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Yorkshire Financial Consultancy, 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

    0113 238 0550

  • Address

    Seven Hills Business Centre, G1 Seven Hills House, South Street, Morley, Leeds, Leeds, LS27 8AT, United Kingdom

In the full report: 2 background checks

  • What kind of line 0113 238 0550 is
  • Who else gives the postcode LS27 8AT
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Other names (35)

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

  • 4WARD Mortgages Trading name
  • David Scott Financial Consultancy Trading name
  • Emma Harrison Financial Services Trading name
  • KH Mortgages Trading name
  • L&N Financial Solutions Trading name
  • Mortgage Gateway Trading name
  • Mortgage Hunter Trading name
  • Pollard Scott & Co Trading name
  • The Mortgage Company (Leeds) Trading name
  • The YFC Group Trading name
  • Yorkshire Financial Consultancy Ltd Former name
  • Aims F S Former trading name
  • Bristol Mortgages Former trading name
  • City Mortgages Former trading name
  • Corkers Financial Services Former trading name
  • Corkers Mortgage Solutions Former trading name
  • Devon & Cornwall Mortgages Former trading name
  • G.I. Jack Former trading name
  • Harewood Financial Partnership Former trading name
  • Hawk Eye Mortgages Former trading name
  • HITEL Financial Former trading name
  • Legacy Financial Former trading name
  • London Mortgages Former trading name
  • Manchester Mortgages Former trading name
  • McGregor Ross FinancialServices Former trading name
  • Midlands Mortgages Former trading name
  • MK Mortgages Former trading name
  • Mortgages By James Former trading name
  • Sarah Barlow Financial Solutions Former trading name
  • Saxton Mee Financial Services Former trading name
  • The Equity Release Companyany Former trading name
  • The Mortgage Company Former trading name
  • The Mortgage Guide Former trading name
  • Veritas Mortgages Former trading name
  • Worrall Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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
04121853
Company status
Active
Company type
Private limited company
Incorporated
8 December 2000 (25 years old)
Registered office
Suite G1 Seven Hills Business Center South Street, Morley, Leeds, LS27 8AT, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Morley Director Sep 1965 1 Nov 2001 3 other companies
Christine Morley Director Jul 1967 6 Apr 2005 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
3
closed down
2
run together
2

In the full report: all 3 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
  • The 2 companies these 2 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£355k

+7.4% from £331k

Cash at bank

£58.0k

+124% from £25.9k

Employees (average)

10

−9.1% from 11

Owed within a year

£179k

+6.8% from £168k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 04121853. 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

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

Key events (5) All events (79)

2023

6 October 2023

  • Changed its registered name from "Yorkshire Financial Consultancy Ltd"

FCA register

2016

6 April 2016

  • Christine Morley became a part-owner (25–50% of shares)
  • Ian Morley became a part-owner (25–50% of shares)

Companies House

2001

1 February 2001

  • Became an appointed representative

FCA register

2000

8 December 2000

  • Incorporated at Companies House

Companies House

In the full report: all 79 events

  • All 79 events in its history (5 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Yorkshire Financial Consultancy

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Yorkshire Financial Consultancy

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

In Leeds

Advantage Mortgage Services (Yorkshire) LimitedLeedsAppointed representativeAlison TroughtLeedsAppointed representativeApex Mortgage & Protection UK LtdLeedsAppointed representativeApplied Financial Lines International (UK Branch)LeedsAppointed representativeBlackwell Financial Solutions LtdLeedsAppointed representativeBluebell Mortgage and Protection Solutions LtdLeedsAppointed 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 Yorkshire Financial Consultancy

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 79 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Yorkshire Financial Consultancy Limited FCA authorised?
Yorkshire Financial Consultancy Limited (FRN 201855) 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 Yorkshire Financial Consultancy?
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. Yorkshire Financial Consultancy Limited (FRN 201855) is an AR of First Complete Limited (FRN 435779). When you use Yorkshire Financial Consultancy's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Yorkshire Financial Consultancy, 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 Yorkshire Financial Consultancy’s phone number?
The FCA register lists the phone number 0113 238 0550 for Yorkshire Financial Consultancy. If you were given different contact details, use these to check with the firm before going any further.
Is Yorkshire Financial Consultancy a scam or clone?
Yorkshire Financial Consultancy 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 Yorkshire Financial Consultancy?
Protection works through First Complete Limited, the principal firm responsible for Yorkshire Financial Consultancy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Yorkshire Financial Consultancy?
Companies House lists 2 people with significant control of Yorkshire Financial Consultancy: Christine Morley (25–50% of shares) and Mr Ian Morley (25–50% of shares).
Who runs Yorkshire Financial Consultancy?
Companies House lists 2 directors of Yorkshire Financial Consultancy: Ian Morley and Christine Morley.
How long has Yorkshire Financial Consultancy been in business?
The company was formed on 8 December 2000.
What do Yorkshire Financial Consultancy’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £355k (+7.4% from £331k) and cash at bank of £58.0k (+124% from £25.9k).
Does Yorkshire Financial Consultancy use any other names?
It trades as 4WARD Mortgages, David Scott Financial Consultancy, Emma Harrison Financial Services, KH Mortgages and L&N Financial Solutions, and 5 more names. It has previously used 25 other names, including Yorkshire Financial Consultancy Ltd, Aims F S and Bristol Mortgages.

Sources and links

The full report on Yorkshire Financial Consultancy Limited

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