All You Need Mortgages Limited

Reference number: 920286

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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.

Responsible principal firm

HL Partnership Limited Reference number: 303397 Authorised 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.
  • All You Need Mortgages Limited (FRN 920286) is an AR of HL Partnership Limited (FRN 303397). When you use All You Need Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from All You Need Mortgages, 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.

In the full report: 3 background checks

  • When allyouneedmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07595 301775 is
  • Who else gives the postcode SS4 1AJ
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Later Life Freedom Trading name
  • All You Need Mortgages Ltd Former name
  • All You Need Protection Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, free
    You 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
10528031
Company status
Active
Company type
Private limited company
Incorporated
15 December 2016 (9 years old)
Registered office
Cumberland House, 24-28 Baxter Avenue, Southend-On-Sea, Essex, SS2 6HZ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Kelly Worthington Director May 1979 15 Dec 2016 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£18.9k

No earlier figure to compare

Cash at bank

£48.1k

No earlier figure to compare

Employees (average)

2

+100% from 1

Owed within a year

£29.8k

+105% from £14.6k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 10528031. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

All You Need Mortgages’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2024

4 March 2024

  • Changed its registered name from "All You Need Mortgages Ltd"

FCA register

2020

28 January 2020

  • Became an appointed representative

FCA register

2016

15 December 2016

  • Incorporated at Companies House
  • Kelly Worthington took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like All You Need Mortgages

Other firms of the same type (mortgage adviser or broker), nearest first.

In Rochford

Billy RumsbyRochfordAppointed representativeMoneybox Financial Management LimitedRochfordAppointed representativeMortgage Plus (Essex) LLPRochfordAppointed representativeThe Mortgage. Market (TMM) LimitedRochfordAppointed representativeTony CarlickRochfordAppointed representativeComputer Insurance ServicesRochfordAuthorised

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 All You Need Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is All You Need Mortgages Limited FCA authorised?
All You Need Mortgages Limited (FRN 920286) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for All You Need Mortgages?
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. All You Need Mortgages Limited (FRN 920286) is an AR of HL Partnership Limited (FRN 303397). When you use All You Need Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from All You Need Mortgages, 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.
What is All You Need Mortgages’ phone number and website?
The FCA register lists the phone number 07595 301775 and the website allyouneedmortgages.co.uk for All You Need Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is All You Need Mortgages a scam or clone?
All You Need Mortgages is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with All You Need Mortgages?
Protection works through HL Partnership Limited, the principal firm responsible for All You Need Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns All You Need Mortgages?
Companies House lists one person with significant control of All You Need Mortgages: Miss Kelly Worthington (75–100% of shares).
Who runs All You Need Mortgages?
Companies House lists one director of All You Need Mortgages: Kelly Worthington.
How long has All You Need Mortgages been in business?
The company was formed on 15 December 2016.
What do All You Need Mortgages’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £18.9k (no earlier figure to compare) and cash at bank of £48.1k (no earlier figure to compare).
Does All You Need Mortgages use any other names?
It trades as Later Life Freedom. It has previously used 2 other names: All You Need Mortgages Ltd and All You Need Protection.

Sources and links

The full report on All You Need Mortgages Limited

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