Essex Mortgage and Protection Services Ltd

Reference number: 713763

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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

STONEBRIDGE MORTGAGE SOLUTIONS LIMITED Reference number: 454811 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.
  • Essex Mortgage and Protection Services Ltd (FRN 713763) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Essex Mortgage and Protection Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Essex Mortgage and Protection Services, 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

    01702 620883

  • Address

    47 Western Road, Benfleet, Essex, SS7 2TN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01702 620883 is
  • Who else gives the postcode SS7 2TN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Stonebridge Mortgage Solutions 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
09669566
Company status
Active
Company type
Private limited company
Incorporated
3 July 2015 (11 years old)
Registered office
Fortress House, 301 High Road, Benfleet, SS7 5HA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Vanessa Lorraine Humphreys Director Mar 1982 3 Jul 2015 None
Daniel Robert Luckman Director Mar 1968 3 Jul 2015 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£69

−99% from £9,706

Employees (average)

0

Same as 0

Owed within a year

£31.6k

+17% from £27.0k

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 09669566. 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

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

2016

6 April 2016

  • Daniel Robert Luckman became a part-owner (25–50% of shares)
  • Vanessa Lorraine Humphreys became a part-owner (25–50% of shares)

Companies House

2015

13 August 2015

  • Became an appointed representative

FCA register

3 July 2015

  • Incorporated at Companies House
  • Daniel Robert Luckman appointed as a director
  • Vanessa Lorraine Humphreys appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Essex Mortgage and Protection Services

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

In Benfleet

Ab Specialist Finance LtdBenfleetAppointed representativeAMS Financial Services LimitedBenfleetAppointed representativeAshley Bennett Mortgages LtdBenfleetAppointed representativeForemost Financial LtdBenfleetAppointed representativeFrank StoneBenfleetAppointed representativeFusion Mortgages LtdBenfleetAppointed 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 Essex Mortgage and Protection Services

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Essex Mortgage and Protection Services Ltd FCA authorised?
Essex Mortgage and Protection Services Ltd (FRN 713763) 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 Essex Mortgage and Protection Services?
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. Essex Mortgage and Protection Services Ltd (FRN 713763) is an AR of STONEBRIDGE MORTGAGE SOLUTIONS LIMITED (FRN 454811). When you use Essex Mortgage and Protection Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Essex Mortgage and Protection Services, 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 Essex Mortgage and Protection Services’ phone number?
The FCA register lists the phone number 01702 620883 for Essex Mortgage and Protection Services. If you were given different contact details, use these to check with the firm before going any further.
Is Essex Mortgage and Protection Services a scam or clone?
Essex Mortgage and Protection Services 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 Essex Mortgage and Protection Services?
Protection works through Stonebridge Mortgage Solutions Limited, the principal firm responsible for Essex Mortgage and Protection Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Essex Mortgage and Protection Services?
Companies House lists 2 people with significant control of Essex Mortgage and Protection Services: Mr Daniel Robert Luckman (25–50% of shares) and Miss Vanessa Lorraine Humphreys (25–50% of shares).
Who runs Essex Mortgage and Protection Services?
Companies House lists 2 directors of Essex Mortgage and Protection Services: Vanessa Lorraine Humphreys and Daniel Robert Luckman.
How long has Essex Mortgage and Protection Services been in business?
The company was formed on 3 July 2015.
What do Essex Mortgage and Protection Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £69 (−99% from £9,706).

Sources and links

The full report on Essex Mortgage and Protection Services Ltd

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