Carnegie Mortgage and Protection Ltd

Reference number: 810436

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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.
  • Carnegie Mortgage and Protection Ltd (FRN 810436) is an AR of HL Partnership Limited (FRN 303397). When you use Carnegie Mortgage and Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Carnegie Mortgage and Protection, 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 carnegiemortgageandprotection.co.uk first appeared online, and whether it can receive email
  • What kind of line 01383 665250 is
  • Who else gives the postcode KY12 7SL
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Other names (2)

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

  • Carnegie Medical Mortgage Solutions Trading name
  • Morgans Financial 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
SC579214
Company status
Active
Company type
Private limited company
Incorporated
18 October 2017 (9 years old)
Registered office
Scotia House, 5 Dickson Street, Dunfermline, KY12 7SL, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Graeme Hastie Director Sep 1979 8 Mar 2020 2 other companies
Alison Kathleen Hastie Director Oct 1978 9 Sep 2020 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
3
still active
3
run together
1

In the full report: all 3 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
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£311

−98% from £15.0k

Employees (average)

3

Same as 3

Owed within a year

£31.1k

+9.2% from £28.4k

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 SC579214. 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

Carnegie Mortgage and Protection’s history from the FCA register and Companies House, newest first.

Key events (9) All events (18)

2024

5 April 2024

  • Gah Group Ltd took control (75–100% of shares)
  • Graeme Hastie stopped being the majority owner

Companies House

2020

8 September 2020

  • Carnegie Group Limied gave up control
  • Carnegie Wealth Management gave up control

Companies House

2 July 2020

  • Graeme Hastie became the majority owner (50–75% of shares)

Companies House

2018

31 May 2018

  • Became an appointed representative

FCA register

7 January 2018

  • Carnegie Group Limied took control (75–100% of shares)

Companies House

2017

18 October 2017

  • Incorporated at Companies House
  • Carnegie Wealth Management took control (75–100% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (9 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Carnegie Mortgage and Protection

Other FCA-listed firms that share a director, phone number or address with Carnegie Mortgage and Protection. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
no longer authorised
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Carnegie Mortgage and Protection

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

In Dunfermline

Dedicated Mortgage Solutions LimitedDunfermlineAppointed representativeEmpire Mortgages LtdDunfermlineAppointed representativeKaren ToddDunfermlineAppointed representativeMortgage Help Scotland LtdDunfermlineAppointed representativePaul Hyde Financial Services LimitedDunfermlineAppointed representativePlayfair Finance Ltd.DunfermlineAppointed representative

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 Carnegie Mortgage and Protection

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Carnegie Mortgage and Protection Ltd FCA authorised?
Carnegie Mortgage and Protection Ltd (FRN 810436) 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 Carnegie Mortgage and Protection?
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. Carnegie Mortgage and Protection Ltd (FRN 810436) is an AR of HL Partnership Limited (FRN 303397). When you use Carnegie Mortgage and Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Carnegie Mortgage and Protection, 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 Carnegie Mortgage and Protection’s phone number and website?
The FCA register lists the phone number 01383 665250 and the website carnegiemortgageandprotection.co.uk for Carnegie Mortgage and Protection. If you were given different contact details, use these to check with the firm before going any further.
Is Carnegie Mortgage and Protection a scam or clone?
Carnegie Mortgage and Protection 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 Carnegie Mortgage and Protection?
Protection works through HL Partnership Limited, the principal firm responsible for Carnegie Mortgage and Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Carnegie Mortgage and Protection?
Carnegie Mortgage and Protection is owned by Gah Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 5 April 2024. Before that, it was controlled by Carnegie Group Limied, Carnegie Wealth Management and Mr Graeme Hastie.
Who runs Carnegie Mortgage and Protection?
Companies House lists 2 directors of Carnegie Mortgage and Protection: Graeme Hastie and Alison Kathleen Hastie.
How long has Carnegie Mortgage and Protection been in business?
The company was formed on 18 October 2017.
What do Carnegie Mortgage and Protection’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £311 (−98% from £15.0k).
Does Carnegie Mortgage and Protection use any other names?
It trades as Carnegie Medical Mortgage Solutions. It has previously used the name Morgans Financial.

Sources and links

The full report on Carnegie Mortgage and Protection Ltd

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