Ernest May Limited

Reference number: 979878

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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

Mortgage Advice Bureau Limited Reference number: 455545 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.
  • Ernest May Limited (FRN 979878) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Ernest May's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ernest May, 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

    07502 380768

  • Address

    Oakville, Orchard Avenue, Ramsden Bellhouse, Billericay, Essex, CM11 1PH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07502 380768 is
  • Who else gives the postcode CM11 1PH
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Other names (1)

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

  • Mortgage Hub North West Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau 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
13886146
Company status
Active
Company type
Private limited company
Incorporated
1 February 2022 (4 years old)
Registered office
Oakville Orchard Avenue, Ramsden Bellhouse, Billericay, CM11 1PH, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark James Readings Director Mar 1975 1 Feb 2022 6 other companies
Luke James Readings Director Aug 2000 16 Sep 2024 3 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
9
closed down
4
still active
5

In the full report: all 9 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
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Filed accounts and finances

Year to 27 February 2025Micro-entity accountsNot audited

Total equity

£3,429

Up £4,959 from −£1,530

Employees (average)

0

Same as 0

Owed within a year

£7,315

+1.7% from £7,190

Assets and liabilities

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 13886146. 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

Ernest May’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2022

28 July 2022

  • Became an appointed representative

FCA register

1 February 2022

  • Incorporated at Companies House
  • Claire Louise Readings became a part-owner (25–50% of shares)
  • Graham Charles Lock became a part-owner (25–50% of shares)
  • Mark James Readings became a part-owner (25–50% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Ernest May

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

In Billericay

A Little Advice LimitedBillericayAppointed representativeAlexander MurtonBillericayAppointed representativeDaniel & Jacobs LtdBillericayAppointed representativeILH Financial LimitedBillericayAppointed representativeKLAS Financial LimitedBillericayAppointed representativeMortgage Friendly.Net LimitedBillericayAppointed 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 Ernest May

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

  • 9 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 8 events in its history

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Frequently asked questions about this firm

Is Ernest May Limited FCA authorised?
Ernest May Limited (FRN 979878) 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 Ernest May?
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. Ernest May Limited (FRN 979878) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Ernest May's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ernest May, 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 Ernest May’s phone number?
The FCA register lists the phone number 07502 380768 for Ernest May. If you were given different contact details, use these to check with the firm before going any further.
Is Ernest May a scam or clone?
Ernest May 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 Ernest May?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Ernest May's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ernest May?
Companies House lists 3 people with significant control of Ernest May: Mr Graham Charles Lock (25–50% of shares), Mr Mark James Readings (25–50% of shares) and Ms Claire Louise Readings (25–50% of shares).
Who runs Ernest May?
Companies House lists 2 directors of Ernest May: Mark James Readings and Luke James Readings.
How long has Ernest May been in business?
The company was formed on 1 February 2022.
What do Ernest May’s latest accounts show?
Its latest accounts, to 27 February 2025, show total equity of £3,429 (up £4,959 from −£1,530).
Does Ernest May use any other names?
It trades as Mortgage Hub North West.

Sources and links

The full report on Ernest May Limited

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