JL Mortgages Ltd

Reference number: 760050

Instant download

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

Quilter Financial Services Limited Reference number: 440703 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.
  • JL Mortgages Ltd (FRN 760050) is an AR of Quilter Financial Services Limited (FRN 440703). When you use JL Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JL 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.

In the full report: 3 background checks

  • When jl-mortgages.com first appeared online, and whether it can receive email
  • What kind of line 07880 961621 is
  • Who else gives the postcode CV1 3BH
Instant PDF download
Other names (1)

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

  • JL Pensions and Investments Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
10348005
Company status
Active
Company type
Private limited company
Incorporated
26 August 2016 (10 years old)
Registered office
101 Lockhurst Lane, Coventry, CV6 5SF, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Lawrence Mark Byng Director Sep 1986 1 Apr 2026 2 other companies

Other companies run by its director

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
2
closed down
1
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£202

−99% from £16.2k

Cash at bank

£2,755

−43% from £4,794

Employees (average)

3

Same as 3

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 10348005. 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

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

Key events (8) All events (17)

2026

1 April 2026

  • Board replaced: its only director left and a new director took over
  • Lawrence Byng stopped being a part-owner
  • Lawrence Mark Byng took control (75–100% of shares)

Companies House

2023

12 September 2023

  • Joseph Terence Hanrahan stopped being a part-owner

Companies House

2016

5 October 2016

  • Became an appointed representative

FCA register

26 August 2016

  • Incorporated at Companies House
  • Joseph Terence Hanrahan became a part-owner (25–50% of shares)
  • Lawrence Byng became a part-owner (25–50% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (8 shown here)
  • Every director appointment and resignation: 7
Instant PDF download

Firms connected to JL Mortgages

Other FCA-listed firms that share a director, phone number or address with JL Mortgages. 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
Instant PDF download

Firms like JL Mortgages

Other firms of the same type (insurance broker), nearest first.

In Coventry

Leapmotor International Business S.p.aCoventryAppointed representativeCamping And Caravanning Club Limited (The)CoventryAppointed representativeA1 Guarantee LIMITEDCoventryAppointed representativeAllied Mortgage Services LimitedCoventryAppointed representativeAlternative Estates & Financial Services LimitedCoventryAppointed representativeBromwich Hardy LLPCoventryAppointed 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 JL Mortgages

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is JL Mortgages Ltd FCA authorised?
JL Mortgages Ltd (FRN 760050) 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 JL 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. JL Mortgages Ltd (FRN 760050) is an AR of Quilter Financial Services Limited (FRN 440703). When you use JL Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from JL 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 JL Mortgages’ phone number and website?
The FCA register lists the phone number 07880 961621 and the website jl-mortgages.com for JL Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is JL Mortgages a scam or clone?
JL 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 JL Mortgages?
Protection works through Quilter Financial Services Limited, the principal firm responsible for JL Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns JL Mortgages?
Companies House lists one person with significant control of JL Mortgages: Mr Lawrence Mark Byng (75–100% of shares). Before that, it was controlled by Mr Joseph Terence Hanrahan and Mr Lawrence Byng.
Who runs JL Mortgages?
Companies House lists one director of JL Mortgages: Lawrence Mark Byng.
How long has JL Mortgages been in business?
The company was formed on 26 August 2016.
What do JL Mortgages’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £202 (−99% from £16.2k) and cash at bank of £2,755 (−43% from £4,794).
Does JL Mortgages use any other names?
It has previously used the name JL Pensions and Investments.

Sources and links

The full report on JL Mortgages Ltd

£19.99 · Instant PDF download

Loading secure checkout…