Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 April 2025
Responsible principal firm
HL Partnership Limited Reference number: 303397 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- A and R Mortgage & Protection Specialists Ltd (FRN 1015691) is an AR of HL Partnership Limited (FRN 303397). When you use A and R Mortgage & Protection Specialists's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from A and R Mortgage & Protection Specialists, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
-
No website on the FCA register
-
Phone number
-
Address
Queens Court, 73 Gilkes Street, Middlesbrough, Middlesbrough, TS1 5EH, United Kingdom
In the full report: 2 background checks
- What kind of line 07525 099876 is
- Who else gives the postcode TS1 5EH
Other names (3)
If you were contacted under any of these names, it is this firm.
- A & R Mortgage & Protection Specialists Trading name: A name it trades under now.
- A & R Protection Specialists Trading name: A name it trades under now.
- A and R Protection Specialists Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through HL Partnership Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 15677835 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 April 2024 (2 years old)
- Registered office
- Queens Court, 73 Gilkes Street, Middlesbrough, TS1 5EH, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Georgina Armstrong | Director | Apr 1979 | 24 Apr 2024 | None |
| Claire Rider | Director | Aug 1987 | 24 Apr 2024 | 2 other companies |
Other companies run by these 2 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 2
- closed down
- 2
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£12.5k
No earlier figure to compare
Cash at bank
£28.5k
No earlier figure to compare
Employees (average)
2
No earlier figure to compare
Owed within a year
£17.3k
No earlier figure to compare
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 15677835. Figures are exactly as filed; nothing is estimated.
Key dates in its history
This firm’s history from the FCA register and Companies House, newest first.
2026
28 April 2026
- Changed its registered name from "A and R Protection Specialists Ltd"
FCA register
2024
31 July 2024
- Became an appointed representative
FCA register
24 April 2024
- Incorporated at Companies House
- Claire Rider became a part-owner (25–50% of shares)
- Georgina Armstrong became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 2
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- share its postcode
- 5
In the full report: all 5 connected firms, named
- How each is linked: the same postcode (5)
- Who links each one: the named directors, with dates
Similar firms
Other firms of the same type (insurance broker), nearest first.
In Middlesbrough
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- All 9 events in its history
- 5 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is A and R Mortgage & Protection Specialists Ltd FCA authorised?
What does appointed representative mean for A and R Mortgage & Protection Specialists?
What is A and R Mortgage & Protection Specialists’ phone number?
Is A and R Mortgage & Protection Specialists a scam or clone?
Is my money safe with A and R Mortgage & Protection Specialists?
Who owns A and R Mortgage & Protection Specialists?
Who runs A and R Mortgage & Protection Specialists?
How long has A and R Mortgage & Protection Specialists been in business?
What do A and R Mortgage & Protection Specialists’ latest accounts show?
Does A and R Mortgage & Protection Specialists use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk