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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 28 February 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
HL Partnership Limited Reference number: 303397 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.
- GEM Mortgage and Protection Ltd (FRN 1022695) is an AR of HL Partnership Limited (FRN 303397). When you use GEM Mortgage and Protection's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from GEM Mortgage and Protection, 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
4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 020 3540 4252 is
- Whether W1T 6EB is a shared office: 22 other firms give it
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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 number
- 09999963 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 February 2016 (10 years old)
- Registered office
- 4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB, England
- Nature of business
-
- Administration of financial markets (SIC 66110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sophia Austin | Director | Jul 1976 | 11 Feb 2016 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£14.2k
Up £14.3k from −£131
Cash at bank
£906
Up £814 from £92
Employees (average)
0
−100% from 1
Owed within a year
−£13.3k
Down £13.8k from £481
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- 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 09999963. 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
GEM Mortgage and Protection’s history from the FCA register and Companies House, newest first.
2025
23 January 2025
- Became an appointed representative
FCA register
2016
6 April 2016
- Sophia Austin took control (75–100% of shares)
Companies House
11 February 2016
- Incorporated at Companies House
- Sophia Austin appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like GEM Mortgage and Protection
Other firms of the same type (mortgage adviser or broker), nearest first.
In the West London (W) postcode area
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 GEM Mortgage and Protection
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, 1 flagged
- 6 years of accounts, charted
- All 4 events in its history
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Frequently asked questions about this firm
Is GEM Mortgage and Protection Ltd FCA authorised?
What does appointed representative mean for GEM Mortgage and Protection?
What is GEM Mortgage and Protection’s phone number?
Is GEM Mortgage and Protection a scam or clone?
Is my money safe with GEM Mortgage and Protection?
Who owns GEM Mortgage and Protection?
Who runs GEM Mortgage and Protection?
How long has GEM Mortgage and Protection been in business?
What do GEM Mortgage and Protection’s 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