MORE CHOICE FINANCIAL LTD

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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.

Buy-to-Let Mortgage Advice
Buy-to-Let Mortgage Arranging
Investment Advice (no pensions)

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Mortgage Advice

For Customer, Regulated mortgage contract
Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Arranges Investments

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Mortgage Arranging

For Customer, Regulated mortgage contract
Buy-to-Let Start Date
Buy-to-Let Status
Credit Brokering
Debt Advice
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- · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.
Mortgage Setup

For Customer, Regulated mortgage contract
Investment Setup

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Credit Score Services
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- · This permission is limited to not carrying out credit repair services

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

Simon David Embley
IRN SDE01021
- Director of firm who is not a certification employee or a SMF manager (20 Oct 2025 to 21 Oct 2025)
Stephen Lee Pendry
IRN SLP01062
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Client dealing (since 9 Dec 2019)
- [FCA CF] Functions requiring qualifications (since 9 Dec 2019)
Steven Bunney
IRN SXB46490
- [FCA CF] Client dealing (5 Dec 2023 to 27 Feb 2026)
- [FCA CF] Functions requiring qualifications (5 Dec 2023 to 27 Feb 2026)

Smaller firms operating under this firm's FCA authorisation.

County Listing Ltd (no longer appointed)
FRN 581827 · Appointed 23 May 2012 · Until 12 May 2017
Mid Bedfordshire Investments (no longer appointed)
FRN 581847 · Appointed 23 May 2012 · Until 10 Jan 2022
South Bedfordshire Investments (no longer appointed)
FRN 581656 · Appointed 21 May 2012 · Until 10 Jan 2022
CP Bedford Ltd (no longer appointed)
FRN 581625 · Appointed 18 May 2012 · Until 26 Oct 2018
Beds Property Ltd (no longer appointed)
FRN 581623 · Appointed 18 May 2012 · Until 10 Jan 2022
Urban and Rural Investments Ltd (no longer appointed)
FRN 581322 · Appointed 16 May 2012 · Until 4 Jan 2022
Russell and Durrant Ltd (no longer appointed)
FRN 581295 · Appointed 16 May 2012 · Until 4 Oct 2019
Lemongrange Ltd (no longer appointed)
FRN 581240 · Appointed 15 May 2012 · Until 16 Jan 2015

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.