Home & Commercial Mortgages Limited
Reference number: 412037
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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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 March 2026
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.
- Home & Commercial Mortgages Limited (FRN 412037) is an AR of HL Partnership Limited (FRN 303397). When you use Home & Commercial Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Home & Commercial Mortgages, 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
26 Rectory Avenue, Farlington, Portsmouth, PO6 1AL, United Kingdom
In the full report: 3 background checks
- When hcmonline.co.uk first appeared online, and whether it can receive email
- What kind of line 023 9242 2555 is
- Who else gives the postcode PO6 1AL
Other names (1)
If you were contacted under any of these names, it is this firm.
- HCM Trading name: A name it trades under now.
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
- 04370480 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 8 February 2002 (24 years old)
- Registered office
- 26 Rectory Avenue, Farlington, Portsmouth, Hampshire, PO6 1AL, England
- Nature of business
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- Other professional, scientific and technical activities not elsewhere classified (SIC 74909)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Mark Wayne Charlton | Director | Sep 1972 | 8 Feb 2002 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 5 people who have been directors, with their dates
Filed accounts and finances
Net assets
£137k
+4.7% from £131k
Owed within a year
£8,631
+38% from £6,251
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 04370480. 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
Home & Commercial Mortgages’s history from the FCA register and Companies House, newest first.
2021
10 September 2021
- Patricia Dorothy Charlton stopped being a part-owner
Companies House
2016
6 April 2016
- Mark Wayne Charlton became a part-owner (25–50% of shares)
- Patricia Dorothy Charlton became a part-owner (25–50% of shares)
Companies House
2004
31 October 2004
- Became an appointed representative
FCA register
2002
8 February 2002
- Incorporated at Companies House
Companies House
In the full report: all 13 events
- All 13 events in its history (5 shown here)
- Every director appointment and resignation: 7
Firms like Home & Commercial Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Portsmouth (PO) 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 Home & Commercial Mortgages
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
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 13 events in its history
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Frequently asked questions about this firm
Is Home & Commercial Mortgages Limited FCA authorised?
What does appointed representative mean for Home & Commercial Mortgages?
What is Home & Commercial Mortgages’ phone number and website?
Is Home & Commercial Mortgages a scam or clone?
Is my money safe with Home & Commercial Mortgages?
Who owns Home & Commercial Mortgages?
Who runs Home & Commercial Mortgages?
How long has Home & Commercial Mortgages been in business?
What do Home & Commercial Mortgages’ latest accounts show?
Does Home & Commercial Mortgages use any other names?
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