Just UK Mortgages Ltd

Reference number: 1028621

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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

Connect IFA Ltd Reference number: 441505 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 UK MORTGAGES LTD (FRN 1028621) is an AR of Connect IFA Ltd (FRN 441505). When you use JUST UK MORTGAGES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JUST UK 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

    07939 196262

  • Address

    69 Orchid Close, Luton, Luton, LU3 3EX, United Kingdom

In the full report: 2 background checks

  • What kind of line 07939 196262 is
  • Who else gives the postcode LU3 3EX
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Connect IFA Ltd, 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
16135203
Company status
Active
Company type
Private limited company
Incorporated
13 December 2024 (1 year old)
Registered office
69 Orchid Close, Luton, LU3 3EX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Atif Ijaz Director Mar 1984 13 Dec 2024 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

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

2025

2 March 2025

  • Became an appointed representative

FCA register

2024

13 December 2024

  • Incorporated at Companies House
  • Atif Ijaz took control (75–100% of shares)
  • Atif Ijaz appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Just UK Mortgages

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

In Luton

Bondsmore Financial Services LtdLutonAppointed representativeGraeme BradleyLutonAppointed representativeJayko Mortgage Services LimitedLutonAppointed representativeNicola OsborneLutonAppointed representativeOpes Finance Consulting LtdLutonAppointed representativeTown & Country Mortgage Services LtdLutonAppointed 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 UK 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 4 events in its history

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Frequently asked questions about this firm

Is Just UK Mortgages Ltd FCA authorised?
Just UK Mortgages Ltd (FRN 1028621) 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 UK 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. Just UK Mortgages Ltd (FRN 1028621) is an AR of Connect IFA Ltd (FRN 441505). When you use Just UK Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Just UK 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 Just UK Mortgages’ phone number?
The FCA register lists the phone number 07939 196262 for Just UK Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Just UK Mortgages a scam or clone?
Just UK 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 Just UK Mortgages?
Protection works through Connect IFA Ltd, the principal firm responsible for Just UK Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Just UK Mortgages?
Companies House lists one person with significant control of Just UK Mortgages: Mr Atif Ijaz (75–100% of shares).
Who runs Just UK Mortgages?
Companies House lists one director of Just UK Mortgages: Atif Ijaz.
How long has Just UK Mortgages been in business?
The company was formed on 13 December 2024.

Sources and links

The full report on Just UK Mortgages Ltd

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