JC Mortgage Brokers Ltd

Reference number: 939684

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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.
  • JC Mortgage Brokers Ltd (FRN 939684) is an AR of HL Partnership Limited (FRN 303397). When you use JC Mortgage Brokers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JC Mortgage Brokers, 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

  • When zestmortgagebrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 07817 516009 is
  • Who else gives the postcode BS24 7NG
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Other names (4)

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

  • Spot On Mortgages Trading name
  • Zest Mortgage Brokers Trading name
  • Engage Mortgage Brokers Former trading name
  • John Cummins Mortgage Brokers 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
11248016
Company status
Active
Company type
Private limited company
Incorporated
10 March 2018 (8 years old)
Registered office
1 Mannock Gardens, Locking Parklands, Weston-Super-Mare, BS24 7NG, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
John Paul Cummins Director Jan 1980 10 Mar 2018 None
Esther Claire Victoria Cummins Secretary Not published 10 Mar 2018 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Total equity

£0

Up £6,453 from −£6,453

Employees (average)

0

Same as 0

Owed within a year

£38.9k

+19% from £32.8k

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
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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 11248016. 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

JC Mortgage Brokers’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2020

29 November 2020

  • Became an appointed representative

FCA register

2018

10 March 2018

  • Incorporated at Companies House
  • John Paul Cummins took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like JC Mortgage Brokers

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

In Weston-Super-Mare

CMA Mortgage Brokers LtdWeston-Super-MareAppointed representativeCollar Mortgage Services LimitedWeston-Super-MareAppointed representativeElkins Mortgage ServicesWeston-super-MareAppointed representativeHD Financial LtdWeston-super-MareAppointed representativeJpmortgages LtdWeston-Super-MareAppointed representativeLTR Solutions LtdWeston-super-MareAppointed 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 JC Mortgage Brokers

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 10 events in its history

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Frequently asked questions about this firm

Is JC Mortgage Brokers Ltd FCA authorised?
JC Mortgage Brokers Ltd (FRN 939684) 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 JC Mortgage Brokers?
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. JC Mortgage Brokers Ltd (FRN 939684) is an AR of HL Partnership Limited (FRN 303397). When you use JC Mortgage Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from JC Mortgage Brokers, 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 JC Mortgage Brokers’ phone number and website?
The FCA register lists the phone number 07817 516009 and the website zestmortgagebrokers.co.uk for JC Mortgage Brokers. If you were given different contact details, use these to check with the firm before going any further.
Is JC Mortgage Brokers a scam or clone?
JC Mortgage Brokers 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 JC Mortgage Brokers?
Protection works through HL Partnership Limited, the principal firm responsible for JC Mortgage Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns JC Mortgage Brokers?
Companies House lists one person with significant control of JC Mortgage Brokers: Mr John Paul Cummins (75–100% of shares).
Who runs JC Mortgage Brokers?
Companies House lists one director of JC Mortgage Brokers: John Paul Cummins.
How long has JC Mortgage Brokers been in business?
The company was formed on 10 March 2018.
What do JC Mortgage Brokers’ latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £0 (up £6,453 from −£6,453).
Does JC Mortgage Brokers use any other names?
It trades as Spot On Mortgages and Zest Mortgage Brokers. It has previously used 2 other names: Engage Mortgage Brokers and John Cummins Mortgage Brokers.

Sources and links

The full report on JC Mortgage Brokers Ltd

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