Your Time Ltd

Reference number: 809100

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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 yourtime.co.uk first appeared online, and whether it can receive email
  • What kind of line 01622 356988 is
  • Who else gives the postcode ME14 5DY
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Other names (2)

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

  • Your Time Equity Release Trading name: A name it trades under now.
  • Your Time 2 Plan Ltd Former name: A name it was registered under before.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (6 permissions)
  • Advising on a home reversion plan
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts

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 status
Active
Company type
Private limited company
Incorporated
19 October 2015 (11 years old)
Registered office
Nexus House, 21 Albion Place, Maidstone, ME14 5DY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Fraser Whiting Director Sep 1971 19 Oct 2015 5 other companies
Matthew Whiting Secretary Not published 19 Oct 2015 –

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
5
closed down
5

In the full report: all 5 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

−£30.6k

No earlier figure to compare

Employees (average)

4

Same as 4

Owed within a year

£37.5k

−33% from £56.0k

Net assets are negative: on its last balance sheet the company owed £30.6k more than it owned.

Total equity

In the full report: all 6 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 09831294. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Your Time’s history from the FCA register and Companies House, newest first.

2018

5 September 2018

  • Changed its registered name from "Your Time 2 Plan Ltd"

FCA register

1 August 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2017

23 June 2017

  • John Charles Whiting stopped being a part-owner

Companies House

22 June 2017

  • John Charles Whiting became a part-owner (25–50% of shares)

Companies House

2016

1 October 2016

  • Matthew Fraser Whiting became a part-owner (25–50% of shares)

Companies House

2015

19 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Your Time

Other FCA-listed firms that share a director, phone number or address with Your Time. 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 Your Time

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

In Maidstone

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 Time

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Your Time Ltd FCA authorised?
Yes, Your Time Ltd (FRN 809100) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2018 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Your Time’s phone number and website?
The FCA register lists the phone number 01622 356988 and the website yourtime.co.uk for Your Time. If you were given different contact details, use these to check with the firm before going any further.
Is Your Time a scam or clone?
Your Time 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 Time?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Your Time to the Financial Ombudsman Service, free of charge.
Who owns Your Time?
Companies House lists one person with significant control of Your Time: Mr Matthew Fraser Whiting (25–50% of shares). Before that, it was controlled by Mr John Charles Whiting.
Who runs Your Time?
Companies House lists one director of Your Time: Matthew Fraser Whiting.
How long has Your Time been in business?
The company was formed on 19 October 2015, and has held its current FCA authorisation since August 2018.
What do Your Time’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£30.6k (no earlier figure to compare).
Does Your Time use any other names?
It trades as Your Time Equity Release. It has previously used the name Your Time 2 Plan Ltd.

Sources and links

The full report on Your Time Ltd

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