Initial Finance Limited

Reference number: 661151

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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.

  • No website on the FCA register

  • Verified phone number

    0330 822 8394

  • Verified address

    Grosvenor House, Basing View, Basingstoke, Hampshire, RG21 4HG, United Kingdom

Also trades as 4 other names
  • City West Finance
  • In Control Finance
  • Initial Credit
  • Initial Loans

Company details

From the company's Companies House record.

Company number
07019168
Company status
Active
Company type
Private limited company
Incorporated
15 September 2009 (16 years old)
Registered office
Grosvenor House, Basing View, Basingstoke, RG21 4HG, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Harry Jamieson Cummine Director Mar 1949 5 Aug 2010
Andrew Gregory Cummine Director Feb 1984 16 Aug 2012
Ian Stephen Cummine Director Jun 1953 1 Oct 2021
Richard Ian Cummine Director Aug 1986 30 Jun 2026
Harry Jamieson Cummine Secretary Not published 19 May 2011

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.

    Check your FSCS cover →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (3 permissions)
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender
  • 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)

Limits on what they may do

  • 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.

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Common questions

Frequently asked questions

Is Initial Finance Limited FCA authorised?
Yes, Initial Finance Limited (FRN 661151) is authorised by the FCA to carry out regulated activities.
Is my money safe with Initial Finance?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Initial Finance to the Financial Ombudsman Service, free of charge.
Is Initial Finance a scam or clone?
Initial Finance 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 Initial Finance's Firm Reference Number (FRN)?
Initial Finance's FRN is 661151. You can verify it on the FCA register.