John Charcol Mortgages Ltd
Reference number: 457289
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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.
- Appointed for 20 years
- Protected through the principal
- No FCA actions
- Active company since 2006
- Its whole board of directors changed in April 2024
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- John Charcol Mortgages Ltd (FRN 457289) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use John Charcol Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from John Charcol 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.
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Phone number
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Address
Drivers Wharf, Northam Road, Southampton, Hampshire, SO14 0PF, United Kingdom
In the full report: 3 background checks
- When charcol.co.uk first appeared online, and whether it can receive email
- What kind of line 0800 121 8349 is
- Who else gives the postcode SO14 0PF
Other names (5)
If you were contacted under any of these names, it is this firm.
- John Charcol Trading name: A name it trades under now.
- Simply Finance Group Limited Former name: A name it was registered under before.
- Simply Finance Group Ltd Former name: A name it was registered under before.
- Simply Remortgages Former trading name: A name it used to trade under.
- Simply Wealth Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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, freeYou 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 name
- JOHN CHARCOL MORTGAGES LIMITED
- Company number
- 05860900 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 June 2006 (20 years old)
- Registered office
- Unit A Drivers Wharf, Northam Road, Southampton, SO14 0PF, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Wallis | Director | Apr 1967 | 4 Apr 2024 | 4 other companies |
| Jeremy Paul Gibson | Director | May 1973 | 4 Apr 2024 | 87 other companies |
| Lisa Zina Walklin-Knight | Director | Jul 1979 | 4 Apr 2024 | 3 other companies |
| Mayank Prakash | Director | Jan 1973 | 21 Oct 2025 | 57 other companies |
Other companies run by these 4 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
- 93
- closed down
- 16
- went insolvent
- 1
In the full report: all 93 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 37 on the FCA register, including one no longer authorised
- The 52 companies these 4 directors run together
- All 15 people who have ever been directors, with their dates
Key dates in its history
John Charcol Mortgages’s history from the FCA register and Companies House, newest first.
2024
4 April 2024
- Board replaced: both directors left and 4 new directors took over
Companies House
2019
23 April 2019
- Board replaced: all 3 directors left and 2 new directors took over
Companies House
2018
1 February 2018
- Changed its registered name from "Simply Finance Group Ltd"
FCA register
2016
6 April 2016
- Sfg Group Limited took control (75–100% of shares)
Companies House
1 April 2016
- Changed its registered name from "Simply Finance Group Limited"
FCA register
2006
14 September 2006
- Became an appointed representative
FCA register
28 June 2006
- Incorporated at Companies House
Companies House
In the full report: all 38 events
- All 38 events in its history (7 shown here)
- Every director appointment and resignation: 26
Firms connected to John Charcol Mortgages
Other FCA-listed firms that share a director, phone number or address with John Charcol Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
Firms like John Charcol Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Southampton
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 John Charcol Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 93 other companies its directors have run, named
- 3 background checks on its contact details
- All 38 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk