Your Property Financial Ltd
Reference number: 942504
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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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 October 2025
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Your Property Financial Ltd (FRN 942504) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Your Property Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Your Property Financial, 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.
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Phone number
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Address
5 Ducketts Wharf, South Street, Hertfordshire, CM23 3AR, United Kingdom
In the full report: 3 background checks
- When yourpropertyfinancial.com first appeared online, and whether it can receive email
- What kind of line 020 8638 8002 is
- Who else gives the postcode CM23 3AR
Other names (6)
If you were contacted under any of these names, it is this firm.
- Your Financial Freedom Ltd Former name: A name it was registered under before.
- Your Buy to Let Mortgage Former trading name: A name it used to trade under.
- Your Income Covered Former trading name: A name it used to trade under.
- Your Mortgage Sorted Former trading name: A name it used to trade under.
- YourRemortgage Former trading name: A name it used to trade under.
- Your Retirement Mortgage Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch Financial Services 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, freeYou 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
- 12940973 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 October 2020 (6 years old)
- Registered office
- 5 Ducketts Wharf, South Street, Bishop's Stortford, Hertfordshire, CM23 3AR, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Tait | Director | Jun 1989 | 9 Oct 2020 | 1 other company |
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 company
- 1
- closed down
- 1
In the full report: all 1 company, 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
Filed accounts and finances
Net assets
£36.4k
−29% from £51.6k
Cash at bank
£62.2k
+1.9% from £61.1k
Employees (average)
1
Same as 1
Owed within a year
£29.5k
+95% from £15.1k
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- The chart, over every year
- Every filed figure, year by year
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 12940973. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Your Property Financial’s history from the FCA register and Companies House, newest first.
2021
26 April 2021
- Changed its registered name from "Your Financial Freedom Ltd"
FCA register
7 January 2021
- Became an appointed representative
FCA register
2020
9 October 2020
- Incorporated at Companies House
- Paul Tait took control (75–100% of shares)
Companies House
In the full report: all 15 events
- All 15 events in its history (4 shown here)
- Every director appointment and resignation: 1
Firms connected to Your Property Financial
Other FCA-listed firms that share a director, phone number or address with Your Property Financial. 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
Firms like Your Property Financial
Other firms of the same type (mortgage adviser or broker), nearest first.
In Hertfordshire
In the Chelmsford (CM) postcode area
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 Property Financial
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
- 5 years of accounts, charted
- All 15 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Your Property Financial Ltd FCA authorised?
What does appointed representative mean for Your Property Financial?
What is Your Property Financial’s phone number and website?
Is Your Property Financial a scam or clone?
Is my money safe with Your Property Financial?
Who owns Your Property Financial?
Who runs Your Property Financial?
How long has Your Property Financial been in business?
What do Your Property Financial’s latest accounts show?
Does Your Property Financial use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk