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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 31 March 2025
- One of its directors is also a director of a firm that is no longer authorised
Responsible principal firm
JLM MORTGAGE NETWORK LTD Reference number: 300629 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.
- Equity Release Mortgage Advice LTD (FRN 725996) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use Equity Release Mortgage Advice's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Equity Release Mortgage Advice, 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.
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No website on the FCA register
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Phone number
-
Address
122 Whinbush Road, Hitchin, Hertfordshire, SG5 1PN, United Kingdom
In the full report: 2 background checks
- What kind of line 01462 455655 is, and the 6 other firms that give it
- Who else gives the postcode SG5 1PN
Other names (3)
If you were contacted under any of these names, it is this firm.
- ERMA Trading name: A name it trades under now.
- Later Life-Lending Trading name: A name it trades under now.
- Goldwater Financial Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Jlm Mortgage Network Ltd, 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
- 09856670 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 4 November 2015 (10 years old)
- Registered office
- 122 Whinbush Road, Hitchin, SG5 1PN, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rory Rajan Joseph | Director | Dec 1971 | 4 Nov 2015 | 13 other companies |
| Sebastian Allen Murphy | Director | Aug 1974 | 26 Feb 2020 | 11 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
- 17
- closed down
- 4
- are FCA-registered
- 8
In the full report: all 17 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 8 on the FCA register, including one no longer authorised
- The 7 companies these 2 directors run together
Filed accounts and finances
Net assets
£440
Up £105 from £335
Cash at bank
£5,011
+217% from £1,581
Employees (average)
0
Same as 0
Owed within a year
£4,571
+267% from £1,246
Net assets
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 09856670. 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
Equity Release Mortgage Advice’s history from the FCA register and Companies House, newest first.
2024
14 June 2024
- Charlie Puffin Group Ltd took control (75–100% of shares)
- Rory Rajan Joseph no longer has significant control
- Sebastian Allen Murphy no longer has significant control
Companies House
2021
26 March 2021
- Sebastian Allen Murphy gained significant control
Companies House
2016
30 September 2016
- Rory Rajan Joseph gained significant control
Companies House
2015
18 November 2015
- Became an appointed representative
FCA register
4 November 2015
- Incorporated at Companies House
Companies House
In the full report: all 14 events
- All 14 events in its history (7 shown here)
- Every director appointment and resignation: 2
Firms connected to Equity Release Mortgage Advice
Other FCA-listed firms that share a director, phone number or address with Equity Release Mortgage Advice. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- no longer authorised
- 1
- share a director
- 8
In the full report: all 12 connected firms, named
- How each is linked: shared directors (8), the same phone number (6), the same postcode (5)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Equity Release Mortgage Advice
Other firms of the same type (mortgage adviser or broker), nearest first.
In Hitchin
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 Equity Release Mortgage Advice
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 17 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 14 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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What do Equity Release Mortgage Advice’s latest accounts show?
Does Equity Release Mortgage Advice 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