James Lovatt Mortgages Ltd

Reference number: 939346

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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

JULIAN HARRIS ADVISER NETWORK LIMITED Reference number: 304155 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.
  • James Lovatt Mortgages Ltd (FRN 939346) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use James Lovatt Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from James Lovatt 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.

  • No website on the FCA register

  • Phone number

    07717 297491

  • Address

    Lakeside View, Corbett Avenue, Talacre, Holywell, Flintshire, CH8 9RE, United Kingdom

In the full report: 2 background checks

  • What kind of line 07717 297491 is
  • Who else gives the postcode CH8 9RE
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Other names (1)

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

  • James Lovatt Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Julian Harris Adviser Network 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
16350109
Company status
Active
Company type
Private limited company
Incorporated
28 March 2025 (1 year old)
Registered office
102 Bowen Court St Asaph Business Park, St Asaph, LL17 0JE, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Alexander Lovatt Director Nov 1991 28 Mar 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

James Lovatt Mortgages’s history from the FCA register and Companies House, newest first.

2025

16 June 2025

  • Changed its registered name from "James Lovatt"

FCA register

28 March 2025

  • Incorporated at Companies House
  • James Alexander Lovatt took control (75–100% of shares)
  • James Alexander Lovatt appointed as a director

Companies House

2020

25 November 2020

  • Became an appointed representative
  • Began trading as "James Lovatt Mortgages"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like James Lovatt Mortgages

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

In the Chester (CH) postcode area

Quidco LimitedDeesideAppointed representativeA Penny Saved LtdWirralAppointed representativeA Transparent Financial Solution LimitedSandycroftAppointed representativeAbacus Mortgage & Protection Advice LtdBirkenheadAppointed representativeAnother Place (Mortgage Brokers) LtdChesterAppointed representativeAnthony RowanWirralAppointed 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 James Lovatt 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
  • 2 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is James Lovatt Mortgages Ltd FCA authorised?
James Lovatt Mortgages Ltd (FRN 939346) 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 James Lovatt Mortgages?
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. James Lovatt Mortgages Ltd (FRN 939346) is an AR of JULIAN HARRIS ADVISER NETWORK LIMITED (FRN 304155). When you use James Lovatt Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from James Lovatt 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.
What is James Lovatt Mortgages’ phone number?
The FCA register lists the phone number 07717 297491 for James Lovatt Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is James Lovatt Mortgages a scam or clone?
James Lovatt Mortgages 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 James Lovatt Mortgages?
Protection works through Julian Harris Adviser Network Limited, the principal firm responsible for James Lovatt Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns James Lovatt Mortgages?
Companies House lists one person with significant control of James Lovatt Mortgages: Mr James Alexander Lovatt (75–100% of shares).
Who runs James Lovatt Mortgages?
Companies House lists one director of James Lovatt Mortgages: James Alexander Lovatt.
How long has James Lovatt Mortgages been in business?
The company was formed on 28 March 2025.
Does James Lovatt Mortgages use any other names?
It has previously used the name James Lovatt.

Sources and links

The full report on James Lovatt Mortgages Ltd

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