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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 June 2026
- On its latest accounts it owed £5,106 more than it owned
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.
- H&L Mortgage Solutions Ltd (FRN 1019003) is an AR of HL Partnership Limited (FRN 303397). When you use H&L Mortgage Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from H&L Mortgage 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
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Address
21 Garratt Way, Thorne, Doncaster, Doncaster, DN8 5EW, United Kingdom
In the full report: 2 background checks
- What kind of line 07486 668189 is
- Who else gives the postcode DN8 5EW
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
- 15788170 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 June 2024 (2 years old)
- Registered office
- 21 Garratt Way, Thorne, Doncaster, DN8 5EW, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
- Life insurance (SIC 65110)
- Non-life insurance (SIC 65120)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Victor Ramos Martel | Director | Jul 1975 | 19 Jun 2024 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Total equity
−£5,106
Down £549 from −£4,557
Employees (average)
0
Same as 0
Owed within a year
£898
Up £254 from £644
Total equity is negative: on its last balance sheet the company owed £5,106 more than it owned.
Total equity
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 15788170. Figures are exactly as filed; nothing is estimated.
Key dates in its history
H&L Mortgage Solutions’s history from the FCA register and Companies House, newest first.
2024
16 September 2024
- Became an appointed representative
- Began trading as "H&L Mortgage Solutions"
FCA register
19 June 2024
- Incorporated at Companies House
- Victor Ramos Martel took control (75–100% of shares)
- Victor Ramos martel appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like H&L Mortgage Solutions
Other firms of the same type (insurance broker), nearest first.
In Doncaster
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 H&L Mortgage Solutions
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
- All 5 events in its history
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Frequently asked questions about this firm
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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