LEGAL & GENERAL HOME FINANCE LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-10-15 (in 5mo)
Last made up 2025-10-01
Watchouts
None on the register
Cash
£37M
+16.1% vs 2024
Net assets
£30M
-7.6% vs 2024
Employees
—
Average over period
Profit before tax
-£3M
+51.2% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £32,334,000 | £29,727,000 | |
| Operating profit | -£7,708,000 | -£4,547,000 | |
| Profit before tax | -£6,548,000 | -£3,197,000 | |
| Net profit | -£5,046,000 | -£2,456,000 | |
| Cash | £32,131,000 | £37,310,000 | |
| Total assets less current liabilities | £32,435,000 | £29,979,000 | |
| Net assets | £32,134,000 | £29,678,000 | |
| Equity | £32,134,000 | £29,678,000 | |
| Average employees | — | — | |
| Wages | — | — | |
| Directors' remuneration | £766,000 | £321,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-8.1%
£32,334,000 £29,727,000
-
Cash
+16.1%
£32,131,000 £37,310,000
-
Net assets
-7.6%
£32,134,000 £29,678,000
-
Employees
—
Not reported
-
Operating profit
+41%
-£7,708,000 -£4,547,000
-
Profit before tax
+51.2%
-£6,548,000 -£3,197,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | -23.8% | -15.3% | |
| Net margin | -15.6% | -8.3% | |
| Return on capital employed | -23.8% | -15.2% | |
| Gearing (liabilities / total assets) | 58.1% | 54.5% | |
| Current ratio | 1.59x | 1.73x | |
| Interest cover | -5.56x | -12.77x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- LEGAL & GENERAL HOME FINANCE LIMITED 2017-01-31 → present
- NEW LIFE MORTGAGES LIMITED 2003-09-11 → 2017-01-31
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“No material uncertainties that cast significant doubt about the ability of the Company to continue as a going concern have been identified by the directors.”
Significant events
- “The Company achieved £224m of new lending during the year (2024: £270m). The business has continued to experience reduced volumes in line with the ongoing wider market contraction with subdued demand driven by volatile market conditions and high interest rates.”
- “The loss before taxation of £3.2m in the year to 31 December 2025 (2024: £6.5m loss), reflects the decrease in lending as a result of the ongoing subdued market conditions.”
- “During the year, the company recognised an impairment charge of £482,000 (2024: nil) in respect of capitalised computer software development costs. The impairment arose following a review of the expected future economic benefits associated with the specific developed software which is no longer expected to generate sufficient future cash flows to support its carrying value.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 26 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LEGAL & GENERAL CO SEC LIMITED | Corporate Secretary | 2015-04-01 | — | — |
| BATTY, Michael | Director | 2023-10-25 | Oct 1991 | British |
| GADD, Simon Benedict | Director | 2021-06-22 | Aug 1965 | British |
| MARSHALL, Christopher Joseph | Director | 2024-10-15 | Sep 1979 | British |
| SHAH, Lorna Louise | Director | 2024-06-21 | Apr 1981 | British |
Show 26 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AGARWAL, Rajiv | Secretary | 2013-05-23 | 2015-04-01 |
| ROSE, Sally-Anne | Secretary | 2003-09-11 | 2011-09-01 |
| TURLEY, Peter Howard | Secretary | 2012-09-27 | 2013-05-23 |
| THE NMB GROUP LIMITED | Corporate Secretary | 2011-09-01 | 2012-09-27 |
| AGARWAL, Rajiv | Director | 2013-05-23 | 2015-12-03 |
| ALLEN, Kevin David | Director | 2003-09-11 | 2012-09-27 |
| BROWN, Craig Kenneth | Director | 2022-04-14 | 2024-06-21 |
| BUCHANAN, Christopher Paul Alexander | Director | 2019-12-17 | 2022-12-31 |
| ELLIS, Steven Martyn | Director | 2015-09-22 | 2019-09-17 |
| GRIFFITHS, Stephen | Director | 2015-04-01 | 2015-06-23 |
| HAGGERTY, Stephen William | Director | 2018-01-23 | 2020-12-01 |
| HICKMAN, Bernard Leigh | Director | 2022-04-20 | 2024-12-17 |
| HICKMAN, Bernie | Director | 2015-04-01 | 2017-03-28 |
| HINTON, Cheryl Caroline | Director | 2023-03-08 | 2026-03-10 |
| JOHNSON, Christopher Guy | Director | 2003-12-11 | 2015-04-01 |
| KAIL, Andrew | Director | 2021-04-19 | 2022-04-20 |
| KNIGHT, Christopher James | Director | 2017-03-28 | 2021-04-19 |
| LUCAS, Peter | Director | 2003-09-17 | 2015-12-31 |
| MEEKS, Alfred Barrington | Director | 2018-01-23 | 2022-06-30 |
| PROCTER, Kerrigan William | Director | 2016-01-18 | 2017-12-07 |
| SHAH, Lorna Louise | Director | 2021-02-12 | 2023-10-25 |
| SHAH, Lorna Louise | Director | 2018-07-03 | 2019-11-22 |
| SINGLETON, Claire Tara, Ms. | Director | 2020-03-06 | 2022-02-25 |
| SMITH, Stephen Charles Addison | Director | 2015-09-11 | 2022-03-23 |
| STEVENSON JAMES, Sarah | Director | 2016-03-11 | 2019-05-29 |
| TURLEY, Peter Howard | Director | 2003-09-17 | 2015-07-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Legal & General Home Finance Holding Company Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 152 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-05 | AA | accounts | Accounts with accounts type full | |
| 2026-03-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-09 | AA | accounts | Accounts with accounts type full | |
| 2025-04-25 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-01-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-03 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-20 | AA | accounts | Accounts with accounts type full | |
| 2023-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-31 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-27 | AA | accounts | Accounts with accounts type full | |
| 2023-03-09 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-13 | TM01 | officers | Termination director company with name termination date | |
| 2022-10-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-07 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.