Mortgage Essentials (UK) Ltd: FCA regulated?

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 17 years
Protected through the principal
No FCA actions
Active company since 2008
Accounts filed up to 31 March 2026

Responsible principal firm

The On-Line Partnership Limited Reference number: 192638 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.
Mortgage Essentials (UK) Ltd (FRN 491433) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Mortgage Essentials (UK)'s services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Mortgage Essentials (UK), 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

01732 442099
Address

71 London Road, Sevenoaks, Kent, TN13 1AX, United Kingdom

In the full report: 2 background checks

What kind of line 01732 442099 is
Who else gives the postcode TN13 1AX

FCA permissions and consumer protection

Protection through the principal firm
Protection works through The On-Line 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: 06691306 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 September 2008 (18 years old)
Registered office: 71 London Road, Sevenoaks, Kent, TN13 1AX, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Lisa Gina Bromilow	Director	Jul 1979	5 Nov 2009	None
Lisa Gina Bromilow	Secretary	Not published	12 Jun 2014	–

In the full report: every company its directors have run

Confirmation that its director runs no other company
All 3 people who have been directors, with their dates

Filed accounts and finances

18 months to 31 March 2026Micro-entity accountsNot audited

Net assets

£822

Up £4,145 from −£3,323

Employees (average)

1

Same as 1

Owed within a year

£10.5k

+134% from £4,500

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2026
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 06691306. 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

Mortgage Essentials (UK)’s history from the FCA register and Companies House, newest first.

Key events (3) All events (8)

2016

6 April 2016

Lisa Gina Bromilow took control (75–100% of shares)

Companies House

2008

13 November 2008

Became an appointed representative

FCA register

8 September 2008

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (3 shown here)
Every director appointment and resignation: 5

Firms connected to Mortgage Essentials (UK)

Other FCA-listed firms that share a director, phone number or address with Mortgage Essentials (UK). A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Mortgage Essentials (UK)

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

In Sevenoaks

Four Seasons Property Finance LimitedSevenoaksAppointed representative Pinnacle Global Advisory LtdSevenoaksAppointed representative Atul Narharidas PatelSevenoaksAuthorised Port Anchor Financial Solutions LimitedSevenoaksAuthorised

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 Mortgage Essentials (UK)

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
7 years of accounts, charted
All 8 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Mortgage Essentials (UK) Ltd FCA authorised?

Mortgage Essentials (UK) Ltd (FRN 491433) 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 Mortgage Essentials (UK)?

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. Mortgage Essentials (UK) Ltd (FRN 491433) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Mortgage Essentials (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mortgage Essentials (UK), 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 Mortgage Essentials (UK)’s phone number?

The FCA register lists the phone number 01732 442099 for Mortgage Essentials (UK). If you were given different contact details, use these to check with the firm before going any further.

Is Mortgage Essentials (UK) a scam or clone?

Mortgage Essentials (UK) 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 Mortgage Essentials (UK)?

Protection works through The On-Line Partnership Limited, the principal firm responsible for Mortgage Essentials (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Mortgage Essentials (UK)?

Companies House lists one person with significant control of Mortgage Essentials (UK): Ms Lisa Gina Bromilow (75–100% of shares).

Who runs Mortgage Essentials (UK)?

Companies House lists one director of Mortgage Essentials (UK): Lisa Gina Bromilow.

How long has Mortgage Essentials (UK) been in business?

The company was formed on 8 September 2008.

What do Mortgage Essentials (UK)’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £822 (up £4,145 from −£3,323).