Your Expert Group Holdings Ltd

Reference number: 550186

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Authorisation being cancelled, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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, 1 thing worth a closer look

  • When yourexpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 471 4545 is
  • Who else gives the postcode G2 2BA
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Other names (32)

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

  • CLAN Financial Solutions Trading name
  • Halo Financial Solutions Trading name
  • Secure Financial Management Trading name
  • Your Expert Group Trading name
  • Your Expert Loans Trading name
  • Your Expert Mortgage Trading name
  • Secure Financial Management Ltd Former name
  • Boyle Mortgage Solutions Former trading name
  • Brown Mortgage Solutions Former trading name
  • Dillon Mortgages Former trading name
  • Evans Mortgage Solutions Former trading name
  • Hazel Totten Mortgage Routes Former trading name
  • I C Mortgage Solutions Former trading name
  • ISS Financial Former trading name
  • IVAHelper.co.uk Former trading name
  • Jaspers Mortgage Solutions Former trading name
  • JEM Financial Solutions Former trading name
  • Joanne Douglas Mortgage Services Former trading name
  • KM Mortgage Solutions Former trading name
  • Lynn MacKay Mortgage Advice Former trading name
  • MacDonald Mortgage Solutions Former trading name
  • N.Finity Financial Solutions Former trading name
  • Nisbet Mortgage Solutions Former trading name
  • Pauline Murphy Mortgage Solutions Former trading name
  • Rosie Little Adviser Former trading name
  • SG Mortgage Specialist Former trading name
  • The Mortgage Angels Direct Former trading name
  • The Mortgage Geek Former trading name
  • Your Expert Personal Insolvency Solutions Former trading name
  • Your Insurance Expert Former trading name
  • Your Loan Expert Former trading name
  • Your Mortgage Expert Former trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
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 regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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.

Concerns on the company record

  • Companies House records this company in liquidation.
  • Accounts are overdue at Companies House.
  • This company has insolvency history on record.
Company name
2038 WRS LIMITED
Company number
SC393839
Company status
Liquidation
Company type
Private limited company
Incorporated
18 February 2011 (15 years old)
Registered office
C/O Hastings & Co The Pentagon Centre, Washington Street, Glasgow, G3 8AZ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Derek Peter Mcphail Director May 1984 1 Oct 2017 21 other companies

Other companies run by its director

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
21
closed down
7
are FCA-registered
3

In the full report: all 21 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register, including one no longer authorised
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2023Abridged accountsNot audited

Net assets

£67.3k

−19% from £82.8k

Cash at bank

£500

−95% from £9,509

Employees (average)

5

−58% from 12

Owed within a year

£158k

−19% from £195k

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2019 to 2023
  • 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 SC393839. 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

Your Expert Group Holdings’s history from the FCA register and Companies House, newest first.

Key events (15) All events (86)

2024

29 April 2024

  • Changed its registered name from "Secure Financial Management Ltd"

FCA register

1 February 2024

  • Derek Peter McPhail became a part-owner (25–50% of shares)
  • Laura Ashley McPhail became a part-owner (25–50% of shares)
  • Your Expert Group (Holdings) Ltd gave up control

Companies House

2018

1 April 2018

  • Derek Peter McPhail gave up control
  • Your Expert Group (Holdings) Ltd took control (75–100% of shares)

Companies House

2017

2 November 2017

  • Mary Dean stopped being a part-owner
  • Peter Christopher Dean stopped being the majority owner

Companies House

2016

1 July 2016

  • Derek Peter McPhail took control (75–100% of shares)
  • Mary Dean became a part-owner (25–50% of shares)
  • Peter Christopher Dean became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

17 April 2012

  • Applied to cancel its FCA authorisation

FCA register

15 March 2012

  • Regulated by the Financial Services Authority from this date

FCA register

2011

18 February 2011

  • Incorporated at Companies House

Companies House

In the full report: all 86 events

  • All 86 events in its history (15 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Your Expert Group Holdings

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

connected firms
3
share a director
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Your Expert Group Holdings

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

In the Glasgow (G) postcode area

Acla Financial Services LimitedGlasgowAuthorisedBarry ChalmersGlasgowAuthorisedBricks and Mortar Mortgages LimitedGlasgowAuthorisedC I B B Financial Services LLPGlasgowAuthorisedCapital Managers Mortgages LimitedGlasgowAuthorisedChannel Corporate LimitedGlasgowAuthorised

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 Your Expert Group Holdings

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

  • 21 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 5 years of accounts, charted
  • All 86 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Your Expert Group Holdings Ltd FCA authorised?
Your Expert Group Holdings Ltd (FRN 550186) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is Your Expert Group Holdings’ phone number and website?
The FCA register lists the phone number 0141 471 4545 and the website yourexpert.co.uk for Your Expert Group Holdings. If you were given different contact details, use these to check with the firm before going any further.
Is Your Expert Group Holdings a scam or clone?
Your Expert Group Holdings 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 Your Expert Group Holdings?
Your Expert Group Holdings is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Your Expert Group Holdings?
Companies House lists 2 people with significant control of Your Expert Group Holdings: Mr Derek Peter McPhail (25–50% of shares) and Mrs Laura Ashley McPhail (25–50% of shares). Before that, it was controlled by Mr Peter Christopher Dean, Mrs Mary Dean and Your Expert Group (Holdings) Ltd.
Who runs Your Expert Group Holdings?
Companies House lists one director of Your Expert Group Holdings: Derek Peter McPhail.
How long has Your Expert Group Holdings been in business?
The company was formed on 18 February 2011. Companies House now lists it as liquidation.
What do Your Expert Group Holdings’ latest accounts show?
Its latest accounts, to 31 December 2023, show net assets of £67.3k (−19% from £82.8k) and cash at bank of £500 (−95% from £9,509). Its accounts are overdue at Companies House.
Does Your Expert Group Holdings use any other names?
It trades as CLAN Financial Solutions, Halo Financial Solutions, Secure Financial Management, Your Expert Group and Your Expert Loans, and 1 more names. It has previously used 26 other names, including Secure Financial Management Ltd, Boyle Mortgage Solutions and Brown Mortgage Solutions.

Sources and links

The full report on Your Expert Group Holdings Ltd

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