Harmony Commercial Limited
Reference number: 1038891
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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
Commercial Finance Brokers UK Limited Reference number: 736199 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.
- Harmony Commercial Limited (FRN 1038891) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Harmony Commercial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Harmony Commercial, 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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Phone number
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Address
Thorneloe House, 25 Barbourne Road, Worcester, Worcestershire, WR1 1RU, United Kingdom
In the full report: 3 background checks
- When harmonyfinancial.co.uk first appeared online, and whether it can receive email
- What kind of line 07798 888602 is, and the other firm that gives it
- Who else gives the postcode WR1 1RU
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Commercial Finance Brokers UK 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
- 16552750 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 July 2025 (1 year old)
- Registered office
- Thorneloe House, 25 Barbourne Road, Worcester, Worcestershire, WR1 1RU, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas James Philp | Director | May 1988 | 1 Jul 2025 | 1 other company |
Other companies run by its director
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 company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Key dates in its history
Harmony Commercial’s history from the FCA register and Companies House, newest first.
2025
8 August 2025
- Became an appointed representative
FCA register
1 July 2025
- Incorporated at Companies House
- Thomas James Philp took control (75–100% of shares)
- Thomas James Philp appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Harmony Commercial
Other FCA-listed firms that share a director, phone number or address with Harmony Commercial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its phone number
- 1
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Harmony Commercial
Other firms of the same type (mortgage adviser or broker), nearest first.
In Worcester
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 Harmony Commercial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- All 4 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Harmony Commercial Limited FCA authorised?
What does appointed representative mean for Harmony Commercial?
What is Harmony Commercial’s phone number and website?
Is Harmony Commercial a scam or clone?
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Who owns Harmony Commercial?
Who runs Harmony Commercial?
How long has Harmony Commercial been in business?
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