JUST Mortgage Brokers Ltd
Reference number: 826371
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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 7 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 March 2025
- On its latest accounts it owed £19.0k more than it owned
Responsible principal firm
Mortgage Advice Bureau Limited Reference number: 455545 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.
- JUST Mortgage Brokers Ltd (FRN 826371) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use JUST Mortgage Brokers's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JUST 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.
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Phone number
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Address
22-24 High Street, Needham Market, Ipswich, Suffolk, IP6 8AP, United Kingdom
In the full report: 3 background checks
- When justmortgagebrokers.co.uk first appeared online, and whether it can receive email
- What kind of line 01473 356284 is
- Who else gives the postcode IP6 8AP
Other names (2)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Bureau Former trading name: A name it used to trade under.
- The Mortgage Centres Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Mortgage Advice Bureau 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
- JUST MORTGAGE BROKERS LIMITED
- Company number
- 08389911 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 February 2013 (13 years old)
- Registered office
- 22-24 High Street, Needham Market, Suffolk, IP6 8AP, United Kingdom
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip David Scott | Director | Apr 1969 | 5 Feb 2013 | 27 other companies |
| Carl James Shave | Director | Jun 1971 | 5 Feb 2013 | 5 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
- 29
- closed down
- 16
- are FCA-registered
- 4
In the full report: all 29 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 4 on the FCA register
- The 3 companies these 2 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£19.0k
Down £1,522 from −£17.4k
Owed within a year
£8,120
−39% from £13.2k
Net assets are negative: on its last balance sheet the company owed £19.0k more than it owned.
Assets and liabilities
In the full report: all 6 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 08389911. 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
JUST Mortgage Brokers’s history from the FCA register and Companies House, newest first.
2021
6 December 2021
- Carl James Shave became a part-owner (25–50% of shares)
- Philip David Scott became a part-owner (25–50% of shares)
Companies House
2019
14 January 2019
- Changed its registered name from "JUST Mortgage Brokers Ltd"
FCA register
2018
19 November 2018
- Became an appointed representative
FCA register
2013
5 February 2013
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (5 shown here)
- Every director appointment and resignation: 6
Firms connected to JUST Mortgage Brokers
Other FCA-listed firms that share a director, phone number or address with JUST Mortgage Brokers. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
- share its postcode
- 1
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4), the same postcode (1)
- Who links each one: the named directors, with dates
Firms like JUST Mortgage Brokers
Other firms of the same type (insurance broker), nearest first.
In Ipswich
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 JUST Mortgage Brokers
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 29 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 15 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is JUST Mortgage Brokers Ltd FCA authorised?
What does appointed representative mean for JUST Mortgage Brokers?
What is JUST Mortgage Brokers’ phone number and website?
Is JUST Mortgage Brokers a scam or clone?
Is my money safe with JUST Mortgage Brokers?
Who owns JUST Mortgage Brokers?
Who runs JUST Mortgage Brokers?
How long has JUST Mortgage Brokers been in business?
What do JUST Mortgage Brokers’ latest accounts show?
Does JUST Mortgage Brokers use any other names?
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