Expert Financial LIMITED

Reference number: 489561

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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

JLM MORTGAGE NETWORK LTD Reference number: 300629 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.
  • Expert Financial LIMITED (FRN 489561) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use Expert Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Expert Financial, 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.

In the full report: 3 background checks

  • When expert-financial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01480 718719 is
  • Who else gives the postcode PE27 5AD
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Other names (4)

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

  • Expert Financial Mortgage & Protection Trading name
  • Expert Financial Ltd Former name
  • CompareMyMortgage.com Former trading name
  • Local Mortgage Advice Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
06660819
Company status
Active
Company type
Private limited company
Incorporated
30 July 2008 (18 years old)
Registered office
8 The Pavement, St. Ives, PE27 5AD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew William Hays Director Nov 1976 30 Jul 2008 1 other company
Samuel Shortt Director Jan 1979 20 Aug 2018 1 other company
Jennifer Hays Secretary Not published 30 Jul 2008 –

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
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£3,377

−68% from £10.5k

Cash at bank

£23.7k

+35% from £17.5k

Employees (average)

8

−11% from 9

Owed within a year

£140k

+23% from £114k

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 06660819. 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

Expert Financial’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2025

16 May 2025

  • Changed its registered name from "Expert Financial Ltd"

FCA register

2018

18 December 2018

  • Jennifer Hays stopped being a part-owner
  • Samuel Shortt gained 25–50% of the votes

Companies House

2016

30 June 2016

  • Jennifer Hays became a part-owner (25–50% of shares)
  • Matthew William Hays became a part-owner (25–50% of shares)

Companies House

2008

1 October 2008

  • Became an appointed representative

FCA register

30 July 2008

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like Expert Financial

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

In St. Ives

Moncton Financial Consultants LtdSt. IvesAppointed representativeStuart Nunn Mortgages LLPSt. IvesAppointed representativeThe Complete Mortgage Company LtdSt. IvesAppointed representativeRevell Turner & Wass LimitedSt. IvesAuthorised

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 Expert Financial

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Expert Financial LIMITED FCA authorised?
Expert Financial LIMITED (FRN 489561) 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 Expert Financial?
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. Expert Financial LIMITED (FRN 489561) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use Expert Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Expert Financial, 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 Expert Financial’s phone number and website?
The FCA register lists the phone number 01480 718719 and the website expert-financial.co.uk for Expert Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Expert Financial a scam or clone?
Expert Financial 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 Expert Financial?
Protection works through Jlm Mortgage Network Ltd, the principal firm responsible for Expert Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Expert Financial?
Companies House lists 2 people with significant control of Expert Financial: Mr Matthew William Hays (25–50% of shares) and Mr Samuel Shortt (25–50% of votes). Before that, it was controlled by Mrs Jennifer Hays.
Who runs Expert Financial?
Companies House lists 2 directors of Expert Financial: Matthew William Hays and Samuel Shortt.
How long has Expert Financial been in business?
The company was formed on 30 July 2008.
What do Expert Financial’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £3,377 (−68% from £10.5k) and cash at bank of £23.7k (+35% from £17.5k).
Does Expert Financial use any other names?
It trades as Expert Financial Mortgage & Protection. It has previously used 3 other names: Expert Financial Ltd, CompareMyMortgage.com and Local Mortgage Advice.

Sources and links

The full report on Expert Financial LIMITED

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