Mortgage Evolution Ltd
Reference number: 920652
Instant download
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 6 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 December 2025
Responsible principal firm
PAXTON UK LIMITED Reference number: 300341 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 Evolution Ltd (FRN 920652) is an AR of PAXTON UK LIMITED (FRN 300341). When you use Mortgage Evolution's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Evolution, 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.
-
Phone number
-
Address
10A High Street, Chislehurst, BR7 5AN, United Kingdom
In the full report: 3 background checks
- When mortgageevolution.co.uk first appeared online, and whether it can receive email
- What kind of line 020 3393 3610 is
- Who else gives the postcode BR7 5AN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Paxton 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, 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 number
- 12358806 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 December 2019 (6 years old)
- Registered office
- 10a High Street, Chislehurst, Kent, BR7 5AN, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gary Patrick Mckenna | Director | Apr 1985 | 3 Jan 2020 | 4 other companies |
| Annie Mckenna | Director | Oct 1985 | 22 Jun 2022 | None |
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
- 4
- closed down
- 3
- still active
- 1
In the full report: all 4 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£3,996
No earlier figure to compare
Employees (average)
3
Same as 3
Owed within a year
£117k
No earlier figure to compare
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 12358806. 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 Evolution’s history from the FCA register and Companies House, newest first.
2020
1 August 2020
- John Fillery stopped being a part-owner
Companies House
1 March 2020
- Gary Patrick McKenna became a part-owner (25–50% of shares)
Companies House
4 February 2020
- Became an appointed representative
FCA register
2019
11 December 2019
- Incorporated at Companies House
- John Fillery became a part-owner (25–50% of shares)
Companies House
In the full report: all 11 events
- All 11 events in its history (5 shown here)
- Every director appointment and resignation: 6
Firms connected to Mortgage Evolution
Other FCA-listed firms that share a director, phone number or address with Mortgage Evolution. 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 Evolution
Other firms of the same type (mortgage adviser or broker), nearest first.
In Chislehurst
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 Evolution
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 11 events in its history
- 1 connected firm, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Mortgage Evolution Ltd FCA authorised?
What does appointed representative mean for Mortgage Evolution?
What is Mortgage Evolution’s phone number and website?
Is Mortgage Evolution a scam or clone?
Is my money safe with Mortgage Evolution?
Who owns Mortgage Evolution?
Who runs Mortgage Evolution?
How long has Mortgage Evolution been in business?
What do Mortgage Evolution’s latest accounts show?
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