Just Mortgages Direct Limited

Reference number: 404016

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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

Commercial Finance Brokers UK Limited Reference number: 736199 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.
  • Just Mortgages Direct Limited (FRN 404016) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Just Mortgages Direct's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Just Mortgages Direct, 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

    07418 345565

  • Address

    Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD, United Kingdom

In the full report: 2 background checks

  • What kind of line 07418 345565 is
  • Who else gives the postcode CO3 3LD
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Other names (259)

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

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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Commercial Finance Brokers UK 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
02412345
Company status
Active
Company type
Private limited company
Incorporated
9 August 1989 (37 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Antony Tobias Lark Director Sep 1972 22 May 2013 17 other companies
Matthew John Phillips Director Nov 1963 21 Jan 2016 4 other companies
Mark Edward Hurdle Director Aug 1966 11 Jul 2019 21 other companies
Sarah Margaret Elaine Thomson Director Apr 1974 28 Aug 2025 1 other company
Paul Alick Smith Secretary Not published 9 Nov 2007 –

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
36
closed down
20
are FCA-registered
2

In the full report: all 36 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 6 companies these 4 directors run together
  • All 14 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Just Mortgages Direct’s history from the FCA register and Companies House, newest first.

Key events (11) All events (465)

2023

1 December 2023

  • Haybrook Holdings Limited stopped being a part-owner
  • Paul Alick Smith gave up control

Companies House

2016

16 April 2016

  • Paul Alick Smith took control (75–100% of shares)

Companies House

6 April 2016

  • Haybrook Holdings Limited became a part-owner (25–50% of shares)
  • Spicerhaart Group Limited took control (75–100% of shares)

Companies House

2015

19 January 2015

  • Changed its registered name from "Haybrook Limited"
  • Changed its registered name from "Just Mortgages Direct Limited"
  • Changed its registered name from "Just Mortgages"

FCA register

2007

9 November 2007

  • Board replaced: all 4 directors left and 2 new directors took over

Companies House

2004

31 October 2004

  • Became an appointed representative

FCA register

1989

9 August 1989

  • Incorporated at Companies House

Companies House

In the full report: all 465 events

  • All 465 events in its history (11 shown here)
  • Every director appointment and resignation: 22
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Firms connected to Just Mortgages Direct

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

connected firms
2
share a director
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Just Mortgages Direct

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

In Colchester

Andromeda Specialist Finance LtdColchesterAppointed representativeAnglian Mortgage Services LimitedColchesterAppointed representativeColchester Mortgage Solutions LtdColchesterAppointed representativeDarren LeggettColchesterAppointed representativeDavid and Partners Financial Services LimitedColchesterAppointed representativeEast Coast Mortgage LtdColchesterAppointed 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 Just Mortgages Direct

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

  • 36 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 465 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Just Mortgages Direct Limited FCA authorised?
Just Mortgages Direct Limited (FRN 404016) 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 Just Mortgages Direct?
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 Mortgages Direct Limited (FRN 404016) is an AR of Commercial Finance Brokers UK Limited (FRN 736199). When you use Just Mortgages Direct's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Just Mortgages Direct, 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 Just Mortgages Direct’s phone number?
The FCA register lists the phone number 07418 345565 for Just Mortgages Direct. If you were given different contact details, use these to check with the firm before going any further.
Is Just Mortgages Direct a scam or clone?
Just Mortgages Direct 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 Just Mortgages Direct?
Protection works through Commercial Finance Brokers UK Limited, the principal firm responsible for Just Mortgages Direct's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Just Mortgages Direct?
Just Mortgages Direct is owned by Spicerhaart Group Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016. Before that, it was controlled by Mr Paul Alick Smith and Haybrook Holdings Limited.
Who runs Just Mortgages Direct?
Companies House lists 4 directors of Just Mortgages Direct: Antony Tobias Lark, Matthew John Phillips, Mark Edward Hurdle and Sarah Margaret Elaine Thomson.
How long has Just Mortgages Direct been in business?
The company was formed on 9 August 1989.
Does Just Mortgages Direct use any other names?
It trades as 360 Mortgage Solutions, Abbeydale Mortgages, a.burgess Financial Services, Alegra Mortgage and Protection and Ale Radu Home Solutions, and 91 more names. It has previously used 163 other names, including Haybrook Limited, ADR Mortgage Services and Ale Radu Mortgage Associates.

Sources and links

The full report on Just Mortgages Direct Limited

£19.99 · Instant PDF download

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