Jlm Master Brokers Hitchin Ltd: FCA regulated?

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 7 years
Protected through the principal
No FCA actions
Active company since 2018
Accounts filed up to 31 March 2025
One of its directors is also a director of a firm that is no longer authorised

Responsible principal firm

JLM MORTGAGE NETWORK LTD Reference number: 300629 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.
JLM MASTER BROKERS HITCHIN LTD (FRN 829015) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use JLM MASTER BROKERS HITCHIN's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from JLM MASTER BROKERS HITCHIN, 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

01462 455655
Address

21A Churchyard, Hitchin, Hertfordshire, SG5 1HP, United Kingdom

In the full report: 2 background checks

What kind of line 01462 455655 is, and the 6 other firms that give it
Who else gives the postcode SG5 1HP

Other names (5)

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

Master Finance Specialist Brokers Trading name: A name it trades under now.
JLM MASTERS BROKERS HITCHIN LTD Former name: A name it was registered under before.
JM Fin Tech Data Services Former name: A name it was registered under before.
Virtual Adviser Former trading name: A name it used to trade under.
Virtual Advisor Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Jlm Mortgage Network Ltd, 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: 11699618 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 November 2018 (7 years old)
Registered office: 21a Churchyard, Hitchin, Hertfordshire, SG5 1HP, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Rory Rajan Joseph	Director	Dec 1971	27 Nov 2018	13 other companies
Sebastian Allen Murphy	Director	Aug 1974	27 Nov 2018	11 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: 17
closed down: 4
are FCA-registered: 8

In the full report: all 17 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 8 on the FCA register, including one no longer authorised
The 7 companies these 2 directors run together

Filed accounts and finances

Year to 31 March 2025Dormant company accountsNot audited

Net assets

£36.4k

Up £36.4k from £2

Cash at bank

£11.2k

Up £11.2k from £2

Employees (average)

0

Same as 0

Owed within a year

£37.6k

No earlier figure to compare

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

In the full report: all 5 years of accounts

Every year from 2020 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.

Accounts filed at Companies House for company 11699618. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Jlm Master Brokers Hitchin’s history from the FCA register and Companies House, newest first.

Key events (9) All events (16)

2024

14 June 2024

Charlie Puffin Group Ltd took control (75–100% of shares)
Rory Rajan Joseph no longer has significant control
Sebastian Allen Murphy no longer has significant control

Companies House

2023

14 July 2023

Changed its registered name from "JLM MASTERS BROKERS HITCHIN LTD"
Changed its registered name from "JM Fin Tech Data Services"

FCA register

2018

19 December 2018

Became an appointed representative

FCA register

27 November 2018

Incorporated at Companies House
Rory Rajan Joseph gained significant control
Sebastian Allen Murphy gained significant control

Companies House

In the full report: all 16 events

All 16 events in its history (9 shown here)
Every director appointment and resignation: 2

Firms connected to Jlm Master Brokers Hitchin

Other FCA-listed firms that share a director, phone number or address with Jlm Master Brokers Hitchin. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 12
no longer authorised: 1
share a director: 8

In the full report: all 12 connected firms, named

How each is linked: shared directors (8), the same phone number (6), the same postcode (4)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Jlm Master Brokers Hitchin

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

In Hitchin

Equity Release Mortgage Advice LTDHitchinAppointed representative JKP Financial LtdHitchinAppointed representative JLM Mortgage Brokers LtdHitchinAppointed representative JLM North London LimitedHitchinAppointed representative JLM Protection LimitedHitchinAppointed representative Laura Davis Mortgage & Life Services LtdHitchinAppointed 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 Jlm Master Brokers Hitchin

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

17 other companies its directors have run, named
2 background checks on its contact details
5 years of accounts, charted
All 16 events in its history
12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Jlm Master Brokers Hitchin Ltd FCA authorised?

Jlm Master Brokers Hitchin Ltd (FRN 829015) 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 Jlm Master Brokers Hitchin?

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. Jlm Master Brokers Hitchin Ltd (FRN 829015) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use Jlm Master Brokers Hitchin's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Jlm Master Brokers Hitchin, 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 Jlm Master Brokers Hitchin’s phone number?

The FCA register lists the phone number 01462 455655 for Jlm Master Brokers Hitchin. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 6 other FCA firms.

Is Jlm Master Brokers Hitchin a scam or clone?

Jlm Master Brokers Hitchin 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 Jlm Master Brokers Hitchin?

Protection works through Jlm Mortgage Network Ltd, the principal firm responsible for Jlm Master Brokers Hitchin's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Jlm Master Brokers Hitchin?

Jlm Master Brokers Hitchin is owned by Charlie Puffin Group Ltd, which holds 75–100% of shares, since 14 June 2024. Before that, it was controlled by Mr Sebastian Allen Murphy and Mr Rory Rajan Joseph.

Who runs Jlm Master Brokers Hitchin?

Companies House lists 2 directors of Jlm Master Brokers Hitchin: Rory Rajan Joseph and Sebastian Allen Murphy.

How long has Jlm Master Brokers Hitchin been in business?

The company was formed on 27 November 2018.

What do Jlm Master Brokers Hitchin’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £36.4k (up £36.4k from £2) and cash at bank of £11.2k (up £11.2k from £2).

Does Jlm Master Brokers Hitchin use any other names?

It trades as Master Finance Specialist Brokers. It has previously used 4 other names, including JLM MASTERS BROKERS HITCHIN LTD, JM Fin Tech Data Services and Virtual Adviser.