IMA Mortgages & Protection Ltd

Reference number: 496018

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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

HL Partnership Limited Reference number: 303397 Authorised 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.
  • IMA Mortgages & Protection Ltd (FRN 496018) is an AR of HL Partnership Limited (FRN 303397). When you use IMA Mortgages & Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from IMA Mortgages & 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When imamortgagesandprotection.co.uk first appeared online, and whether it can receive email
  • What kind of line 01442 262332 is
  • Who else gives the postcode HP1 3AE
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Other names (6)

If you were contacted under any of these names, it is this firm.

  • IMA Trading name
  • Independent Mortgage Associates Trading name
  • Independent Mortgage Advice Bureau (Hemel) Former name
  • Independent Mortgage Advice Bureau (Hemel) Ltd Former name
  • Independent Mortgage Associates Ltd Former name
  • Independent Mortgage Advice Bureau Berkhamsted Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, free
    You 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
07429200
Company status
Active
Company type
Private limited company
Incorporated
4 November 2010 (15 years old)
Registered office
20-22 High Street, Old Town, Hemel Hempstead, HP1 3AE
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Liane Wade Director Aug 1969 4 Nov 2010 5 other companies
Sam Wade Director Jul 1968 1 Feb 2011 4 other companies

Other companies run by these 2 directors

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 companies
5
closed down
2
run together
4

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 companies these 2 directors run together
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£396k

−1.3% from £402k

Cash at bank

£83.4k

−24% from £110k

Employees (average)

13

+18% from 11

Owed within a year

£72.6k

+12% from £64.8k

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
Instant PDF download
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 07429200. 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

IMA Mortgages & Protection’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2023

5 October 2023

  • Changed its registered name from "Independent Mortgage Associates Ltd"

FCA register

2016

6 April 2016

  • Liane Wade became a part-owner (25–50% of shares)
  • Sam Wade became a part-owner (25–50% of shares)

Companies House

2013

1 November 2013

  • Changed its registered name from "Independent Mortgage Advice Bureau (Hemel) Ltd"

FCA register

2010

15 November 2010

  • Changed its registered name from "Independent Mortgage Advice Bureau (Hemel)"

FCA register

4 November 2010

  • Incorporated at Companies House

Companies House

2009

5 February 2009

  • Became an appointed representative

FCA register

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to IMA Mortgages & Protection

Other FCA-listed firms that share a director, phone number or address with IMA Mortgages & Protection. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like IMA Mortgages & Protection

Other firms of the same type (mortgage adviser or broker), nearest first.

In Hemel Hempstead

Atlas Business Finance LtdHemel HempsteadAppointed representativeJames ChaneyHemel HempsteadAppointed representativeNicholas James ThomasHemel HempsteadAppointed representativeOliver WarmingtonHemel HempsteadAppointed representativeThe Mortgage Firm LimitedHemel HempsteadAppointed representativeTudor Mortgages LtdHemel HempsteadAppointed representative

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 IMA Mortgages & Protection

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 14 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is IMA Mortgages & Protection Ltd FCA authorised?
IMA Mortgages & Protection Ltd (FRN 496018) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for IMA Mortgages & Protection?
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. IMA Mortgages & Protection Ltd (FRN 496018) is an AR of HL Partnership Limited (FRN 303397). When you use IMA Mortgages & Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from IMA Mortgages & 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.
What is IMA Mortgages & Protection’s phone number and website?
The FCA register lists the phone number 01442 262332 and the website imamortgagesandprotection.co.uk for IMA Mortgages & Protection. If you were given different contact details, use these to check with the firm before going any further.
Is IMA Mortgages & Protection a scam or clone?
IMA Mortgages & Protection is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with IMA Mortgages & Protection?
Protection works through HL Partnership Limited, the principal firm responsible for IMA Mortgages & Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns IMA Mortgages & Protection?
Companies House lists 2 people with significant control of IMA Mortgages & Protection: Mr Sam Wade (25–50% of shares) and Mrs Liane Wade (25–50% of shares).
Who runs IMA Mortgages & Protection?
Companies House lists 2 directors of IMA Mortgages & Protection: Liane Wade and Sam Wade.
How long has IMA Mortgages & Protection been in business?
The company was formed on 4 November 2010.
What do IMA Mortgages & Protection’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £396k (−1.3% from £402k) and cash at bank of £83.4k (−24% from £110k).
Does IMA Mortgages & Protection use any other names?
It trades as IMA and Independent Mortgage Associates. It has previously used 4 other names, including Independent Mortgage Advice Bureau (Hemel), Independent Mortgage Advice Bureau (Hemel) Ltd and Independent Mortgage Associates Ltd.

Sources and links

The full report on IMA Mortgages & Protection Ltd

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