Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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Phone number
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Address
122 Whinbush Road, Hitchin, Hertfordshire, SG5 1PN, United Kingdom
In the full report: 3 background checks
- When jlmnetwork.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 1PN
Other names (30)
If you were contacted under any of these names, it is this firm.
- JLM Mortgage Services Trading name: A name it trades under now.
- JLM MORTGAGE SERVICES LIMITED Former name: A name it was registered under before.
- JLM Mortgages Services Ltd Former name: A name it was registered under before.
- Alexander Buckingham Associates Former trading name: A name it used to trade under.
- ALS & Associates Former trading name: A name it used to trade under.
- Charles Acton @ JLM Former trading name: A name it used to trade under.
- DR Mortgage Centre Former trading name: A name it used to trade under.
- Duncan Perry Financial Services Former trading name: A name it used to trade under.
- Equine & Rural Former trading name: A name it used to trade under.
- ERMA Former trading name: A name it used to trade under.
- Finance IT Former trading name: A name it used to trade under.
- Fitch & Fitch Former trading name: A name it used to trade under.
- Glow Former trading name: A name it used to trade under.
- Goldwater Financial Former trading name: A name it used to trade under.
- Hazel Finance Former trading name: A name it used to trade under.
- Independent Mortgage People Former trading name: A name it used to trade under.
- James Wareham @ JLM Former trading name: A name it used to trade under.
- JLM Manchester Former trading name: A name it used to trade under.
- JLM NW Kent Mortgage Services Former trading name: A name it used to trade under.
- Matthew Nickson Mortgage Solutions Former trading name: A name it used to trade under.
- Medical & Professional Money Management Former trading name: A name it used to trade under.
- Mortgage Moves Former trading name: A name it used to trade under.
- Northampton Finance Former trading name: A name it used to trade under.
- Optima Mortgage Services Former trading name: A name it used to trade under.
- Pod Financial Solutions Former trading name: A name it used to trade under.
- Primus Financial Solutions Former trading name: A name it used to trade under.
- Saunders Financial Former trading name: A name it used to trade under.
- VincentBurch.co.uk Former trading name: A name it used to trade under.
- Wareham Financial Services @ JLM Former trading name: A name it used to trade under.
- WP Mortgage Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
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
- 04701803 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 March 2003 (23 years old)
- Registered office
- 122 Whinbush Road, Hitchin, SG5 1PN, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rory Rajan Joseph | Director | Dec 1971 | 15 Jun 2005 | 13 other companies |
| Sebastian Allen Murphy | Director | Aug 1974 | 26 Feb 2020 | 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£853k
+62% from £527k
Cash at bank
£441k
+419% from £84.9k
Employees (average)
24
Same as 24
Owed within a year
£904k
−25% from £1.21m
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2021 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 04701803. 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
Jlm Mortgage Network’s history from the FCA register and Companies House, newest first.
2024
14 June 2024
- Charlie Puffin Group Limited took control (75–100% of shares)
- Hayley Joseph stopped being a part-owner
- Rory Rajan Joseph stopped being a part-owner
Companies House
2021
17 November 2021
- Changed its registered name from "JLM MORTGAGE SERVICES LIMITED"
FCA register
1 April 2021
- Changed its registered name from "JLM Mortgages Services Ltd"
FCA register
2016
31 December 2016
- Hayley Joseph became a part-owner (25–50% of shares)
- Rory Rajan Joseph became a part-owner (25–50% of shares)
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2004
31 October 2004
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
2003
18 March 2003
- Incorporated at Companies House
Companies House
In the full report: all 75 events
- All 75 events in its history (11 shown here)
- Every director appointment and resignation: 4
Firms connected to Jlm Mortgage Network
Other FCA-listed firms that share a director, phone number or address with Jlm Mortgage Network. 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 (5)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Jlm Mortgage Network
Other firms of the same type (mortgage adviser or broker), nearest first.
In Hitchin
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 Network
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
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 75 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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How long has Jlm Mortgage Network been in business?
What do Jlm Mortgage Network’s latest accounts show?
Does Jlm Mortgage Network use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk