MHC Mortgage & Protection Ltd

Reference number: 912169

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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.
  • MHC Mortgage & Protection Ltd (FRN 912169) is an AR of HL Partnership Limited (FRN 303397). When you use MHC Mortgage & Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from MHC Mortgage & Protection, 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

    01227 807087

  • Address

    13 Aurum Close, Whitstable, Kent, CT5 3FN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01227 807087 is
  • Who else gives the postcode CT5 3FN
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Other names (3)

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

  • Employee Mortgages Trading name
  • MHC Trading name
  • Workplace Mortgage Clinics Trading name

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
12067840
Company status
Active
Company type
Private limited company
Incorporated
25 June 2019 (7 years old)
Registered office
13 Aurum Close, Whitstable, Kent, CT5 3FN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Philip Humphrey Director Dec 1979 25 Jun 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 August 2025Full accountsNot audited

Net assets

£20.7k

Up £20.0k from £740

Cash at bank

£2,744

Up £2,257 from £487

Owed within a year

£31.0k

+233% from £9,312

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
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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.

Accounts filed at Companies House for company 12067840. 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

MHC Mortgage & Protection’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2019

9 August 2019

  • Became an appointed representative

FCA register

25 June 2019

  • Incorporated at Companies House
  • Mark Philip Humphrey took control (75–100% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 1
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Firms like MHC Mortgage & Protection

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

In Whitstable

D & P Financial Services LtdWhitstableAppointed representativeMarine Mortgages LtdWhitstableAppointed representativeMeridian Expat Mortgages LtdWhitstableAppointed 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 MHC Mortgage & Protection

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
  • 6 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is MHC Mortgage & Protection Ltd FCA authorised?
MHC Mortgage & Protection Ltd (FRN 912169) 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 MHC Mortgage & Protection?
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. MHC Mortgage & Protection Ltd (FRN 912169) is an AR of HL Partnership Limited (FRN 303397). When you use MHC Mortgage & Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from MHC Mortgage & Protection, 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 MHC Mortgage & Protection’s phone number?
The FCA register lists the phone number 01227 807087 for MHC Mortgage & Protection. If you were given different contact details, use these to check with the firm before going any further.
Is MHC Mortgage & Protection a scam or clone?
MHC Mortgage & Protection 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 MHC Mortgage & Protection?
Protection works through HL Partnership Limited, the principal firm responsible for MHC Mortgage & Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns MHC Mortgage & Protection?
Companies House lists one person with significant control of MHC Mortgage & Protection: Mr Mark Philip Humphrey (75–100% of shares).
Who runs MHC Mortgage & Protection?
Companies House lists one director of MHC Mortgage & Protection: Mark Philip Humphrey.
How long has MHC Mortgage & Protection been in business?
The company was formed on 25 June 2019.
What do MHC Mortgage & Protection’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £20.7k (up £20.0k from £740) and cash at bank of £2,744 (up £2,257 from £487).
Does MHC Mortgage & Protection use any other names?
It trades as Employee Mortgages, MHC and Workplace Mortgage Clinics.

Sources and links

The full report on MHC Mortgage & Protection Ltd

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