Quinn Oath Advisory Ltd

30/10/2026

Happy Friday from the Quinn Oath cabin! 🐾

If you’ve ever wondered whether you’re doing the finance bit right, we’re always happy to have a no-pressure chat. Have a lovely weekend!

30/10/2026

Our October 2026 Regulatory Update is now live

This month we look at what the Autumn Budget means for businesses offering customer finance. Tighter household budgets have real implications for affordability, lending decisions and how you support customers.

We also cover the latest from the FCA, including motor finance redress, Consumer Credit Act reform, financial crime and key dates for the months ahead.

Read the full update here:
https://www.linkedin.com/pulse/regulatory-update-october-2026-quinn-oath-advisory-limited-l1zwe

If you offer finance to your customers and would like to discuss how these changes affect your business, please get in touch.

30 Oct 2026 · Quinn Hello and welcome to our October round-up. It's been a busy one: a brand new Chancellor delivered his first Budget on 28 October, and the FCA has been far from quiet.

28/10/2026

Does your website mention monthly payments? 👀

Then there are a few rules your advert needs to follow.

Have a flick through, and pop us a message if you’d like us to take a quick look.

28/10/2026

Budget day!!

If your business offers finance to customers, whether that's cars, kitchens, bedrooms or anything else on monthly payments, today's Autumn Budget could affect you.

We're watching three areas closely:
👉 Whether the promised cuts to business red tape reach the Consumer Credit Act
👉 The affordability picture, with tax rates expected to hold
👉 Anything that changes how finance works at the point of sale

Follow Quinn Oath Advisory on LinkedIn for our full analysis in our monthly regulatory update, published Friday 30 October.

26/10/2026

Fitting kitchens, bedrooms or bathrooms and offering finance?

Quick myth-buster: “the lender sorts the FCA bit” isn’t quite true. Your business needs the right permission too.

Not sure where you stand?

Message us and we’ll tell you straight. ☕

25/10/2026

Kitchen, bedroom, bathroom or home improvement business? Thinking of offering finance to your customers? 🛠️

It's a brilliant way to help people say yes to the bigger job. But there are a few things to get right first:
🔹 You'll need the right FCA permissions, either your own or through a principal firm
🔹 Your adverts and website need to follow the financial promotion rules
🔹 Be upfront with customers about any commission you earn
🔹 Consumer Duty means you need to show customers are getting a fair deal

Sounds like a lot? It's honestly easier than it looks with someone in your corner. We've put together a handy guide on our website

👉 quinnoathadvisory.co.uk

Any questions, just give us a shout 😊

15/10/2026

Out and about tomorrow! 👋

I'll be at the Driffield Business Expo on Friday 16th October in the Rix Pavilion at Driffield Showground with my Quinn Oath Advisory stand.

If you're local, pop in and say hello. I'd love to see some friendly faces, and there are sweets. If you run a business that offers finance or deals with the FCA, even better. Come and have a natter about anything compliance (I promise to make it less boring than it sounds 😂).

See you there!

08/10/2026

🎉 We're heading to the Driffield Business Expo!

We're excited to announce that Quinn Oath Advisory will be exhibiting at the Driffield Business Expo on Friday 16th October!

As a Yorkshire-based business, we're looking forward to getting out into the local business community, meeting fellow business owners, making new connections and showcasing what we do.

At Quinn Oath Advisory, we help businesses make sense of the sometimes complicated world of financial services regulation.

Whether you need help with an FCA application, Consumer Duty, compliance reviews, ongoing regulatory support or outsourced compliance expertise, we're here to help make compliance simpler and more manageable.

📅 Friday 16th October 2026

🕙 10am – 2pm

📍 The Rix Pavilion, Driffield Showground

⭐ Find us at Stand 38!

✅ FREE entry for visitors!

With over 40 exhibitors, it's a fantastic opportunity to discover local businesses, make valuable connections and have some great conversations.

If you're coming along, we'd love you to pop over and say hello to Helen. Whether it's to talk compliance, ask a question or just have a friendly chat, everyone is welcome! 😊

We can't wait to see you there!

💙 Quinn Oath Advisory – Clarity in Complexity

🌐 www.quinnoathadvisory.co.uk

04/10/2026

"Can we offer finance on our kitchens and bedrooms?" 🍳🛏️

I get asked this a lot by kitchen and bedroom showrooms, so here's the honest answer.

Yes, you can. But you'll almost certainly need FCA authorisation first.

If you introduce customers to a finance provider, even just handing over a leaflet and helping fill in the application, that's classed as credit broking. It's a regulated activity, and the lender won't let you on board without the right permissions.

"But it's 0%, surely that doesn't count?" Sadly, it usually does. Spreading a £15k kitchen over 12, 24 or 36 months is still regulated credit in most cases.

The good news? It's not as scary as it sounds. 👇

✅ Most showrooms apply for limited permission, which is lighter-touch than full authorisation because finance supports your main business rather than being it
✅ Some can go down the appointed representative route instead
✅ Once you're set up, you need sensible processes for Consumer Duty, financial promotions (yes, that "0% finance available!" banner counts) and treating customers fairly
And why bother? Because finance sells kitchens.

Customers who'd stretch to a basic range can suddenly afford the island, the quartz and the boiling water tap. Bigger orders, fewer "we'll have a think about it" walkouts.

The thing to avoid is offering finance without permission. That's a criminal offence, and the agreements can end up unenforceable. Not the kind of surprise anyone wants with their new kitchen.

If you run a kitchen or bedroom business and you're thinking about finance, drop me a message. Happy to have a no-pressure chat about which route suits you. ☕

www.quinnoathadvisory.co.uk

02/10/2026

Quinn Oath Advisory is really pleased to be supporting Monzo within its Financial Promotions team.

It’s been a brilliant experience working alongside such a knowledgeable and collaborative team, contributing specialist financial promotions and regulatory experience within a dynamic fintech environment.

This is exactly the kind of support Quinn Oath was set up to provide — practical, experienced compliance support that works alongside existing teams and adds value where specialist input is needed.

From start-ups building their compliance foundations through to established financial services and fintech firms, Quinn Oath can support with Financial Promotions, Consumer Duty, governance, regulatory reviews, project work and fractional compliance support.

If your business needs experienced compliance support, feel free to get in touch.

Clarity in Complexity.

www.quinnoathadvisory.co.uk