JLM Mortgage Brokers Ltd

Reference number: 953547

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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

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 Mortgage Brokers Ltd (FRN 953547) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use JLM Mortgage Brokers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JLM 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 jlmmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 01462 455655 is, and the 6 other firms that give it
  • Who else gives the postcode SG5 1HP
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Other names (24)

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

  • Blox Finance Trading name
  • Charles Acton @ JLM Trading name
  • Damien Grafton Ampthill Mortgage Broker Trading name
  • Epsom Financial Trading name
  • Healthy Financial Services Trading name
  • Jack Miller Mortgages Trading name
  • JLM East Midlands Trading name
  • JLM Leighton Buzzard Trading name
  • JLM Manchester Trading name
  • JLM Mortgage Services Trading name
  • JLM Mortgage Services Aberdeen Trading name
  • MC Finance Trading name
  • Mia Day @ JLM Trading name
  • Rate Expectations Trading name
  • Wareham Financial Services @ JLM Trading name
  • CBM Financial Partners Former trading name
  • Hayden Blair Former trading name
  • JLM Kent and Sussex Former trading name
  • JLM Mayfair Former trading name
  • JLM NW Kent Mortgages Former trading name
  • LJD Mortgages Former trading name
  • Peak Mortgages Former trading name
  • Wareham Financial Services Former trading name
  • WP Mortgage Former trading name

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
13397178
Company status
Active
Company type
Private limited company
Incorporated
14 May 2021 (5 years old)
Registered office
122 Whinbush Road, Hitchin, SG5 1PN, 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 14 May 2021 13 other companies
Sebastian Allen Murphy Director Aug 1974 14 May 2021 1 other company

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
14
closed down
3
are FCA-registered
7

In the full report: all 14 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 7 on the FCA register, including one no longer authorised
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£564

−91% from £6,464

Cash at bank

£17.5k

+32% from £13.3k

Employees (average)

9

Same as 9

Owed within a year

£187k

<1% from £189k

Net assets

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • 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 13397178. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (7) All events (42)

2024

14 June 2024

  • Charlie Puffin Group Ltd took control (75–100% of shares)
  • Rory Rajan Joseph stopped being a part-owner
  • Sebastian Allen Murphy stopped being a part-owner

Companies House

2021

24 June 2021

  • Became an appointed representative

FCA register

14 May 2021

  • Incorporated at Companies House
  • Rory Rajan Joseph became a part-owner (25–50% of shares)
  • Sebastian Allen Murphy became a part-owner (25–50% of shares)

Companies House

In the full report: all 42 events

  • All 42 events in its history (7 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to JLM Mortgage Brokers

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

connected firms
10
no longer authorised
1
share a director
7

In the full report: all 10 connected firms, named

  • How each is linked: shared directors (7), the same phone number (6), the same postcode (4)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like JLM Mortgage Brokers

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

In Hitchin

Equity Release Mortgage Advice LTDHitchinAppointed representativeJlm Master Brokers Hitchin LtdHitchinAppointed representativeJLM North London LimitedHitchinAppointed representativeJLM Protection LimitedHitchinAppointed representativeLaura Davis Mortgage & Life Services LtdHitchinAppointed representativeMaximus Leonis Capital 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 Mortgage Brokers

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 42 events in its history
  • 10 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is JLM Mortgage Brokers Ltd FCA authorised?
JLM Mortgage Brokers Ltd (FRN 953547) 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 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. JLM Mortgage Brokers Ltd (FRN 953547) is an AR of JLM MORTGAGE NETWORK LTD (FRN 300629). When you use JLM Mortgage Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from JLM 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 JLM Mortgage Brokers’ phone number and website?
The FCA register lists the phone number 01462 455655 and the website jlmmortgages.co.uk for JLM Mortgage Brokers. 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 Mortgage Brokers a scam or clone?
JLM 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 JLM Mortgage Brokers?
Protection works through Jlm Mortgage Network Ltd, the principal firm responsible for JLM Mortgage Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns JLM Mortgage Brokers?
JLM Mortgage Brokers is owned by Charlie Puffin Group Ltd, which holds 75–100% of shares, since 14 June 2024. Before that, it was controlled by Rory Rajan Joseph and Sebastian Allen Murphy.
Who runs JLM Mortgage Brokers?
Companies House lists 2 directors of JLM Mortgage Brokers: Rory Rajan Joseph and Sebastian Allen Murphy.
How long has JLM Mortgage Brokers been in business?
The company was formed on 14 May 2021.
What do JLM Mortgage Brokers’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £564 (−91% from £6,464) and cash at bank of £17.5k (+32% from £13.3k).
Does JLM Mortgage Brokers use any other names?
It trades as Blox Finance, Charles Acton @ JLM, Damien Grafton Ampthill Mortgage Broker, Epsom Financial and Healthy Financial Services, and 10 more names. It has previously used 9 other names, including CBM Financial Partners, Hayden Blair and JLM Kent and Sussex.

Sources and links

The full report on JLM Mortgage Brokers Ltd

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