Harmony Financial Limited
Reference number: 1008836
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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.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 March 2025
Responsible principal firm
MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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 Financial Limited (FRN 1008836) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Harmony Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Harmony 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.
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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 Mortgage Intelligence 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
- 15317314 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 November 2023 (2 years old)
- Registered office
- Thorneloe House, 25 Barbourne Road, Worcester, Worcestershire, WR1 1RU, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas James Philp | Director | May 1988 | 29 Nov 2023 | 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
Filed accounts and finances
Total equity
£332
No earlier figure to compare
Cash at bank
£13.6k
No earlier figure to compare
Employees (average)
1
No earlier figure to compare
Owed within a year
£16.0k
No earlier figure to compare
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 15317314. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Harmony Financial’s history from the FCA register and Companies House, newest first.
2024
25 March 2024
- Became an appointed representative
- Began trading as "Harmony Financial"
FCA register
2023
7 December 2023
- Sarah Jayne Davis stopped being a part-owner
Companies House
29 November 2023
- Incorporated at Companies House
- Sarah Jayne Davis became a part-owner (25–50% of shares)
- 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 Financial
Other FCA-listed firms that share a director, phone number or address with Harmony Financial. 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 Financial
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 Financial
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 7 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Harmony Financial?
What is Harmony Financial’s phone number and website?
Is Harmony Financial a scam or clone?
Is my money safe with Harmony Financial?
Who owns Harmony Financial?
Who runs Harmony Financial?
How long has Harmony Financial been in business?
What do Harmony Financial’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