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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 March 2026
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Essential Mortgage & Money Solutions Ltd (FRN 439055) is an AR of Sesame Limited (FRN 150427). When you use Essential Mortgage & Money Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Essential Mortgage & Money Solutions, 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
30 Broadgates Avenue, Hadley Wood, Barnet, Hertfordshire, EN4 0NU, United Kingdom
In the full report: 2 background checks
- What kind of line 020 8441 5336 is
- Who else gives the postcode EN4 0NU
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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 name
- ESSENTIAL MORTGAGE & MONEY SOLUTIONS LIMITED
- Company number
- 05445956 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 May 2005 (21 years old)
- Registered office
- 4 Lytton Road, New Barnet, Barnet, Hertfordshire, EN5 5BY
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Elba Emms | Director | Dec 1975 | 6 May 2005 | 1 other company |
| Anthony Peter Emms | Director | Dec 1972 | 10 May 2006 | 1 other company |
| Lesley Calnan | Secretary | Not published | 6 May 2005 | – |
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
- 1
- still active
- 1
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
£726k
+14% from £638k
Cash at bank
£58.4k
No earlier figure to compare
Employees (average)
2
Up 2 from 0
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 05445956. 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
Essential Mortgage & Money Solutions’s history from the FCA register and Companies House, newest first.
2017
6 January 2017
- Elba Haley Emms gained significant control
Companies House
2006
10 May 2006
- Anthony Peter Emms appointed as a director
Companies House
2005
9 September 2005
- Became an appointed representative
FCA register
6 May 2005
- Incorporated at Companies House
- Elba Emms appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Essential Mortgage & Money Solutions
Other firms of the same type (mortgage adviser or broker), nearest first.
In Barnet
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 Essential Mortgage & Money Solutions
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
- 7 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
Is Essential Mortgage & Money Solutions Ltd FCA authorised?
What does appointed representative mean for Essential Mortgage & Money Solutions?
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Is Essential Mortgage & Money Solutions a scam or clone?
Is my money safe with Essential Mortgage & Money Solutions?
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Who runs Essential Mortgage & Money Solutions?
How long has Essential Mortgage & Money Solutions been in business?
What do Essential Mortgage & Money Solutions’ latest accounts show?
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