Essex & Suffolk Mortgages Limited

Reference number: 951102

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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.
  • Essex & Suffolk Mortgages Limited (FRN 951102) is an AR of HL Partnership Limited (FRN 303397). When you use Essex & Suffolk Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Essex & Suffolk Mortgages, 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

    07825 959277

  • Address

    80 London Road, Colchester, Essex, CO3 4DG, United Kingdom

In the full report: 2 background checks

  • What kind of line 07825 959277 is
  • Who else gives the postcode CO3 4DG
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Other names (4)

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

  • Colchester Mortgages Limited Former name
  • Essex Mortgages Limited Former name
  • Colchester Mortgages Former trading name
  • Essex Mortgages 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
12597077
Company status
Active
Company type
Private limited company
Incorporated
12 May 2020 (6 years old)
Registered office
The Forge, Langham, Colchester, Essex, CO4 5PX, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Deborah Johann Humphrey Director Jun 1970 12 May 2020 8 other companies
John Palmer Director Nov 1965 12 May 2020 10 other companies
Daniel Morgan Director Jun 1983 17 Aug 2023 None
Paul Devereux Director Apr 1977 7 Jun 2026 None

Other companies run by these 4 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
11
closed down
4
run together
7

In the full report: all 11 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 companies these 4 directors run together
  • All 5 people who have ever been directors, with their dates
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Key dates in its history

Essex & Suffolk Mortgages’s history from the FCA register and Companies House, newest first.

Key events (8) All events (19)

2026

1 June 2026

  • Paul Devereux stopped being a part-owner

Companies House

2025

27 November 2025

  • Changed its registered name from "Essex Mortgages Limited"

FCA register

16 January 2025

  • Changed its registered name from "Colchester Mortgages Limited"

FCA register

2021

14 May 2021

  • Became an appointed representative

FCA register

16 March 2021

  • Paul Devereux became a part-owner (25–50% of shares)

Companies House

2020

12 May 2020

  • Incorporated at Companies House
  • Deborah Johann Humphrey became a part-owner (25–50% of shares)
  • John Palmer became a part-owner (25–50% of shares)

Companies House

In the full report: all 19 events

  • All 19 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Essex & Suffolk Mortgages

Other FCA-listed firms that share a director, phone number or address with Essex & Suffolk Mortgages. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
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 Essex & Suffolk Mortgages

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

In Colchester

Andromeda Specialist Finance LtdColchesterAppointed representativeAnglian Mortgage Services LimitedColchesterAppointed representativeColchester Mortgage Solutions LtdColchesterAppointed representativeDarren LeggettColchesterAppointed representativeDavid and Partners Financial Services LimitedColchesterAppointed representativeEast Coast Mortgage LtdColchesterAppointed 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 & Suffolk Mortgages

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

  • 11 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 19 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Essex & Suffolk Mortgages Limited FCA authorised?
Essex & Suffolk Mortgages Limited (FRN 951102) 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 & Suffolk Mortgages?
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 & Suffolk Mortgages Limited (FRN 951102) is an AR of HL Partnership Limited (FRN 303397). When you use Essex & Suffolk Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Essex & Suffolk Mortgages, 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 & Suffolk Mortgages’ phone number?
The FCA register lists the phone number 07825 959277 for Essex & Suffolk Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Essex & Suffolk Mortgages a scam or clone?
Essex & Suffolk Mortgages 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 & Suffolk Mortgages?
Protection works through HL Partnership Limited, the principal firm responsible for Essex & Suffolk Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Essex & Suffolk Mortgages?
Companies House lists 2 people with significant control of Essex & Suffolk Mortgages: Miss Deborah Johann Humphrey (25–50% of shares) and Mr John Palmer (25–50% of shares). Before that, it was controlled by Mr Paul Devereux.
Who runs Essex & Suffolk Mortgages?
Companies House lists 4 directors of Essex & Suffolk Mortgages: Deborah Johann Humphrey, John Palmer, Daniel Morgan and Paul Devereux.
How long has Essex & Suffolk Mortgages been in business?
The company was formed on 12 May 2020.
Does Essex & Suffolk Mortgages use any other names?
It has previously used 4 other names, including Colchester Mortgages Limited, Essex Mortgages Limited and Colchester Mortgages.

Sources and links

The full report on Essex & Suffolk Mortgages Limited

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