Essential Finance Group (UK) Ltd

Reference number: 664982

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Essential Finance Group Management Limited Reference number: 782710 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.
  • Essential Finance Group (UK) Ltd (FRN 664982) is an AR of Essential Finance Group Management Limited (FRN 782710). When you use Essential Finance Group (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Essential Finance Group (UK), 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.

Identity

Check their details

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

  • Verified phone number

    0800 612 8005

  • Verified address

    3rd Floor, Marshall House, 2 Park Avenue, Sale, Greater Manchester, M33 6HE, United Kingdom

Also trades as
  • Essential Insurance Services

Company details

From the company's Companies House record.

Company name
ESSENTIAL FINANCE GROUP (UK) LIMITED
Company number
09357808
Company status
Active
Company type
Private limited company
Incorporated
17 December 2014 (11 years old)
Registered office
1st Floor Cloister House Riverside, New Bailey Street, Manchester, M3 5FS, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Jonathan Christopher Bentley Director Jan 1978 17 Dec 2014
Emma Louise Francis Robinson Secretary Not published 22 Jan 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Essential Finance Group Management 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Essential Finance Group (UK) Ltd FCA authorised?
Essential Finance Group (UK) Ltd (FRN 664982) 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 Essential Finance Group (UK)?
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. Essential Finance Group (UK) Ltd (FRN 664982) is an AR of Essential Finance Group Management Limited (FRN 782710). When you use Essential Finance Group (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Essential Finance Group (UK), 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.
Is my money safe with Essential Finance Group (UK)?
Protection works through Essential Finance Group Management Limited, the principal firm responsible for Essential Finance Group (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Essential Finance Group (UK) a scam or clone?
Essential Finance Group (UK) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Essential Finance Group (UK)'s Firm Reference Number (FRN)?
Essential Finance Group (UK)'s FRN is 664982. You can verify it on the FCA register.