Joanne Gray Mortgages Ltd

Reference number: 1064831

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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.
  • Joanne Gray Mortgages Ltd (FRN 1064831) is an AR of HL Partnership Limited (FRN 303397). When you use Joanne Gray Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Joanne Gray 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.

  • No website on the FCA register

  • Phone number

    07740 027453

  • Address

    2 Tulip Avenue, Beckwithshaw, Harrogate, North Yorkshire, HG3 1FN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07740 027453 is
  • Who else gives the postcode HG3 1FN
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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
17386462
Company status
Active
Company type
Private limited company
Incorporated
6 August 2026 (less than a year old)
Registered office
12 Station Parade, Harrogate, HG1 1UE, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Joanne Gray Director Aug 1977 6 Aug 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

Key events (3) All events (6)

2026

5 October 2026

  • Became an appointed representative

FCA register

6 August 2026

  • Incorporated at Companies House
  • Joanne Gray took control (75–100% of shares)

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like Joanne Gray Mortgages

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

In Harrogate

Apollo Capital Group LtdHarrogateAppointed representativeDaytona Asset Group LimitedHarrogateAppointed representativeMortgage Solutions of Harrogate LtdHarrogateAppointed representativeORL Finance LtdHarrogateAppointed representativeRoy LangleyHarrogateAppointed representativeVincent HickmanHarrogateAppointed 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 Joanne Gray Mortgages

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
  • 2 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Joanne Gray Mortgages Ltd FCA authorised?
Joanne Gray Mortgages Ltd (FRN 1064831) 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 Joanne Gray 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. Joanne Gray Mortgages Ltd (FRN 1064831) is an AR of HL Partnership Limited (FRN 303397). When you use Joanne Gray Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Joanne Gray 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 Joanne Gray Mortgages’ phone number?
The FCA register lists the phone number 07740 027453 for Joanne Gray Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Joanne Gray Mortgages a scam or clone?
Joanne Gray 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 Joanne Gray Mortgages?
Protection works through HL Partnership Limited, the principal firm responsible for Joanne Gray Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Joanne Gray Mortgages?
Companies House lists one person with significant control of Joanne Gray Mortgages: Mrs Joanne Gray (75–100% of shares).
Who runs Joanne Gray Mortgages?
Companies House lists one director of Joanne Gray Mortgages: Joanne Gray.
How long has Joanne Gray Mortgages been in business?
The company was formed on 6 August 2026.

Sources and links

The full report on Joanne Gray Mortgages Ltd

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