SMH Finance LLP

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

For Customer, Regulated mortgage contract
Authorised to Operate
Show 1 limitation Hide limitations
- · The firm can only agree to carry on the regulated activities specified in this Notice.
Arranges Investments

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

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

Agnieszka Zofia Wilkosz
IRN AXW52671
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 2 Feb 2026)
Daniel Carl Lukic
IRN DXL14188
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 1 Dec 2020)
- SMF16 Compliance Oversight (since 9 Dec 2019)
- SMF27 Partner (since 9 Dec 2019)
- Responsibility for MCD Intermediation (since 1 Jul 2019)
- Responsible for Insurance Distribution (since 1 Jul 2019)
- CF4 Partner (1 Jul 2019 to 8 Dec 2019)
- CF10 Compliance Oversight (1 Jul 2019 to 8 Dec 2019)
James Edward Hartley
IRN JEH01264
- SMF27 Partner (since 9 Dec 2019)
- CF4 Partner (1 Jul 2019 to 8 Dec 2019)
James Furniss
IRN JXF23550
- CF4 Partner (AR) (26 Feb 2021 to 24 Feb 2025)
Jonathon Mark Dickens
IRN JXD14245
- SMF27 Partner (since 9 Dec 2019)
- CF4 Partner (1 Jul 2019 to 8 Dec 2019)
Luke Catt
IRN LXC00513
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 1 Jul 2023)
Samuel Reardon
IRN SXR00333
- [FCA CF] Functions requiring qualifications (2 Jun 2025 to 14 Aug 2025)

Smaller firms operating under this firm's FCA authorisation.

SMH Commercial Finance LLp (no longer appointed)
FRN 943894 · Appointed 28 Jan 2021 · Until 3 Apr 2025

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.