The Money Advice Centre Ltd

Reference number: 1003359

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Optimise Finance Limited Reference number: 724841 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • The Money Advice Centre Ltd (FRN 1003359) introduces customers to Optimise Finance Limited (FRN 724841). Any regulated advice or arranging is done by the principal, not The Money Advice Centre.
  • Example: if The Money Advice Centre refers you to a financial adviser, the advice should come from the principal firm, not from The Money Advice Centre itself.
  • 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.

Also trades as
  • Loansforhomeowners.uk

Company details

From the company's Companies House record.

Company number
14186998
Company status
Active
Company type
Private limited company
Incorporated
21 June 2022 (4 years old)
Registered office
7 St. Petersgate, Stockport, SK1 1EB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Charlotte Louise Garvey Director Oct 1982 21 Jun 2022
Steven James Garvey Director Nov 1985 21 Jun 2022
Michael Hugh Halliwell Director May 1943 21 Jun 2022
Michael Sinacola Director Mar 1985 5 Jun 2025

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 Optimise Finance 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 The Money Advice Centre Ltd FCA authorised?
The Money Advice Centre Ltd (FRN 1003359) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for The Money Advice Centre?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. The Money Advice Centre Ltd (FRN 1003359) introduces customers to Optimise Finance Limited (FRN 724841). Any regulated advice or arranging is done by the principal, not The Money Advice Centre. Example: if The Money Advice Centre refers you to a financial adviser, the advice should come from the principal firm, not from The Money Advice Centre itself. 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 The Money Advice Centre?
Protection works through Optimise Finance Limited, the principal firm responsible for The Money Advice Centre's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Money Advice Centre a scam or clone?
The Money Advice Centre 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 The Money Advice Centre's Firm Reference Number (FRN)?
The Money Advice Centre's FRN is 1003359. You can verify it on the FCA register.