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 13 years
- Protected through the principal
- No FCA actions
- Active company since 2007
- Accounts filed up to 30 November 2025
Responsible principal firm
Sesame Limited Reference number: 150427 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.
- Independent Mortgage Advice Bureau (Letchworth) Ltd (FRN 600622) is an AR of Sesame Limited (FRN 150427). When you use Independent Mortgage Advice Bureau (Letchworth)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Independent Mortgage Advice Bureau (Letchworth), 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
-
Address
Krestrel House, Primett Road, Stevenage, Herts, SG1 3EE, United Kingdom
In the full report: 2 background checks
- What kind of line 01438 360040 is
- Who else gives the postcode SG1 3EE
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sesame 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
- 06418475 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 November 2007 (18 years old)
- Registered office
- Kestrel House, Primett Road, Stevenage, SG1 3EE, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Adrian Murphy | Director | Sep 1965 | 6 Nov 2007 | None |
| Ashley Donna Murphy | Secretary | Not published | 1 Dec 2025 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£21.1k
<1% from £21.0k
Employees (average)
2
Same as 2
Owed within a year
£33.9k
+256% from £9,540
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- 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 06418475. 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
This firm’s history from the FCA register and Companies House, newest first.
2016
6 November 2016
- Adrian Murphy took control (75–100% of shares)
Companies House
2013
8 May 2013
- Became an appointed representative
FCA register
2007
6 November 2007
- Incorporated at Companies House
- Adrian Murphy appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Similar firms
Other firms of the same type (mortgage adviser or broker), nearest first.
In Stevenage
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 this firm
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
- 7 years of accounts, charted
- All 4 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Independent Mortgage Advice Bureau (Letchworth) Ltd FCA authorised?
What does appointed representative mean for Independent Mortgage Advice Bureau (Letchworth)?
What is Independent Mortgage Advice Bureau (Letchworth)’s phone number?
Is Independent Mortgage Advice Bureau (Letchworth) a scam or clone?
Is my money safe with Independent Mortgage Advice Bureau (Letchworth)?
Who owns Independent Mortgage Advice Bureau (Letchworth)?
Who runs Independent Mortgage Advice Bureau (Letchworth)?
How long has Independent Mortgage Advice Bureau (Letchworth) been in business?
What do Independent Mortgage Advice Bureau (Letchworth)’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