Your Next Step LTD

Reference number: 1012430

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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

The Lending Channel Ltd Reference number: 626787 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.
  • Your Next Step LTD (FRN 1012430) is an AR of The Lending Channel Ltd (FRN 626787). When you use Your Next Step's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Your Next Step, 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.

Company details

From the company's Companies House record.

Company number
SC742722
Company status
Active
Company type
Private limited company
Incorporated
30 August 2022 (3 years old)
Registered office
15 Heathcliff Drive, East Kilbride, G75 8ZA, United Kingdom
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Alan Don Mackenzie Director Mar 1986 30 Aug 2022

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 The Lending Channel Ltd, 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 Your Next Step LTD FCA authorised?
Your Next Step LTD (FRN 1012430) 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 Your Next Step?
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. Your Next Step LTD (FRN 1012430) is an AR of The Lending Channel Ltd (FRN 626787). When you use Your Next Step's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Your Next Step, 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 Your Next Step?
Protection works through The Lending Channel Ltd, the principal firm responsible for Your Next Step's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Your Next Step a scam or clone?
Your Next Step 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 Your Next Step's Firm Reference Number (FRN)?
Your Next Step's FRN is 1012430. You can verify it on the FCA register.