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 13 years
- Protected through the principal
- No FCA actions
- Active company since 2012
- Accounts filed up to 30 September 2025
Responsible principal firm
First Complete Limited Reference number: 435779 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 Management Professionals Ltd (FRN 591172) is an AR of First Complete Limited (FRN 435779). When you use Mortgage Management Professionals's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mortgage Management Professionals, 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
-
Address
Penn Barn, By The Pond, Elm Road, Penn, Bucks, HP10 8LB, United Kingdom
In the full report: 2 background checks
- What kind of line 01494 817151 is, and the other firm that gives it
- Who else gives the postcode HP10 8LB
Other names (1)
If you were contacted under any of these names, it is this firm.
- FM Mortgage Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through First Complete 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 name
- MORTGAGE MANAGEMENT PROFESSIONALS LIMITED
- Company number
- 08229754 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 September 2012 (14 years old)
- Registered office
- Penn Barn Elm Road, Penn, High Wycombe, HP10 8LB
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Philip Owen Harper | Director | Oct 1959 | 26 Sep 2012 | 2 other companies |
| Paul Anthony Wakefield | Director | Aug 1965 | 16 Mar 2022 | None |
| Philip Harper | Secretary | Not published | 26 Sep 2012 | – |
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
- 2
- still active
- 2
- is FCA-registered
- 1
In the full report: all 2 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
- The one on the FCA register
Filed accounts and finances
Net assets
£193k
+7.3% from £180k
Employees (average)
2
Same as 2
Owed within a year
£17.5k
+14% from £15.3k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 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 08229754. 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 Management Professionals’s history from the FCA register and Companies House, newest first.
2016
1 July 2016
- Philip Owen Harper took control (75–100% of shares)
Companies House
2012
13 November 2012
- Became an appointed representative
FCA register
26 September 2012
- Incorporated at Companies House
Companies House
In the full report: all 6 events
- All 6 events in its history (3 shown here)
- Every director appointment and resignation: 2
Firms connected to Mortgage Management Professionals
Other FCA-listed firms that share a director, phone number or address with Mortgage Management Professionals. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Mortgage Management Professionals
Other firms of the same type (mortgage adviser or broker), nearest first.
In Bucks
In the Hemel Hempstead (HP) postcode area
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 Management Professionals
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 6 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 Management Professionals Ltd FCA authorised?
What does appointed representative mean for Mortgage Management Professionals?
What is Mortgage Management Professionals’ phone number?
Is Mortgage Management Professionals a scam or clone?
Is my money safe with Mortgage Management Professionals?
Who owns Mortgage Management Professionals?
Who runs Mortgage Management Professionals?
How long has Mortgage Management Professionals been in business?
What do Mortgage Management Professionals’ latest accounts show?
Does Mortgage Management Professionals use any other names?
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