LowRateCarFinance Limited

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Credit Brokering
Debt Negotiation
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- · This permission is limited to debt adjusting which is provided in connection with the whole or partial settlement of credit agreements for vehicle finance.
Debt Advice
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- · This permission is limited to debt counselling which is provided in connection with the whole or partial settlement of credit agreements for vehicle finance.

Senior staff personally approved by the FCA to hold their roles here.

Dean Andrew Bray
IRN DXB00573
- SMF16 Compliance Oversight (since 11 Oct 2023)
- SMF3 Executive Director (since 11 Oct 2023)
- SMF29 Limited scope function (limited scope SMCR firms only) (11 Oct 2023 to 11 Oct 2023)
Jamie Alan Haring
IRN JXH00861
- SMF3 Executive Director (since 11 Oct 2023)
Jamie-George Marsh
IRN JXM04079
- SMF3 Executive Director (since 16 Aug 2024)
Scott Wilson
IRN SXW00904
- SMF3 Executive Director (since 16 Aug 2024)

Smaller firms operating under this firm's FCA authorisation.

Andover Car Sales Limited
FRN 1032319 · Appointed 14 May 2025
Redhill Automotive Limited
FRN 1032316 · Appointed 14 May 2025
CWF Vehicle Sales Limited
FRN 1032318 · Appointed 14 May 2025
Lakeside Cars South West Ltd (no longer appointed)
FRN 1044634 · Appointed 24 Nov 2025 · Until 23 Jan 2026
John Raymond Prosser and Gavin Robert Veale (no longer appointed)
FRN 1044043 · Appointed 14 Oct 2025 · Until 16 Apr 2026
Lane Williams Ltd (no longer appointed)
FRN 1035536 · Appointed 7 Jul 2025 · Until 13 Oct 2025
1st Cars Limited (no longer appointed)
FRN 1032317 · Appointed 14 May 2025 · Until 23 Sep 2025
Xpress Valeting Ltd (no longer appointed)
FRN 1031801 · Appointed 13 May 2025 · Until 26 Feb 2026

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.