HTG Finance Limited
Reference number: 825534
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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Verified website
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Verified phone number
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Verified address
The Record Hall, 16-16A Baldwin's Gardens, London, EC1N 7RJ, United Kingdom
- BeWarm
- Hometree
- Hometree Finance
Company details
From the company's Companies House record.
- Company number
- 11357988
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 May 2018 (8 years old)
- Registered office
- Hamilton House, 4 Mabledon Place, London, WC1H 9BB, United Kingdom
- Nature of business
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- Plumbing, heat and air-conditioning installation (SIC 43220)
- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Rory Duff | Director | Jun 1978 | 12 May 2018 |
| Matthew Galen Boyes | Director | Jul 1978 | 5 Nov 2018 |
Activities and protection
What they can do, and how you are protected
- Lend or arrange credit · Hire out goods to consumers No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (5 permissions)
- Credit Broking
- Entering into Regulated Consumer Hire Agreements as owner
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
Limits on what they may do
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Requirement regarding self-employed customers
For a period of six months from the effective date 9 December 2025 of this requirement, the firm must: 1. Conduct a manual assessment of affordability for all self-employed customers and use the results of this assessment to determine whether the credit is affordable. 2. Compare the outcomes of the manual affordability assessment with those generated by the firm’s automated affordability assessment process. 3. At the end of the six-month period, provide the FCA with a report summarising: a. The methodology and findings of the manual assessment. b. The comparative analysis between manual and automated outcomes. c. Any proposed changes to the automated process based on these findings. 4. Until the FCA has reviewed the findings and confirmed its position, the firm must continue to conduct a manual assessment of affordability for any lending decisions (and not use any automated process for lending decisions) for self-employed customers. 5. Following the FCA review, the firm may request that this requirement be lifted or amended, subject to FCA approval.
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Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises
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.
Previously registered as
The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.
- BeWarm Group Limited
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