Pam Brown Mortgages LLP

Reference number: 554829

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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

Mortgage Advice Bureau Limited Reference number: 455545 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.
  • Pam Brown Mortgages LLP (FRN 554829) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Pam Brown Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pam Brown 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

    01869 320003

  • Address

    29 Sheep Street, Bicester, Oxfordshire, OX26 6JF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01869 320003 is
  • Who else gives the postcode OX26 6JF
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Other names (5)

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

  • Mortgage Advice Bureau Trading name
  • Hanbury Mortgages LLP Former name
  • Pam Brown LLP Former name
  • Independent Mortgage Company Former trading name
  • Intelligent Mortgage Company Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau 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
OC366198
Company status
Active
Company type
Limited liability partnership
Incorporated
4 July 2011 (15 years old)
Registered office
29 Sheep Street, Bicester, Oxfordshire, OX26 6JF, England

Directors and company secretaries

Name Role Born Appointed Other companies
Pamela Margaret Brown LLP designated member Mar 1972 4 Jul 2011 2 other companies
Nina Isobella Brown LLP designated member Jul 1996 21 Sep 2016 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
2
closed down
1
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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

−£45.3k

Down £12.7k from −£32.6k

Employees (average)

1

Same as 1

Owed within a year

£4,488

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £45.3k more than it owned.

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
Instant PDF download
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 OC366198. 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

Pam Brown Mortgages’s history from the FCA register and Companies House, newest first.

Key events (8) All events (21)

2023

4 July 2023

  • Nina Isobella Brown became a part-owner (25–50% of shares)

Companies House

2017

21 September 2017

  • Anthony Brown gave up control

Companies House

2016

6 April 2016

  • Anthony Brown took control (75–100% of shares)
  • Pamela Brown became the majority owner (50–75% of shares)

Companies House

2012

25 July 2012

  • Changed its registered name from "Pam Brown LLP"

FCA register

28 June 2012

  • Changed its registered name from "Hanbury Mortgages LLP"

FCA register

2011

4 July 2011

  • Incorporated at Companies House

Companies House

1 July 2011

  • Became an appointed representative

FCA register

In the full report: all 21 events

  • All 21 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Pam Brown Mortgages

Other FCA-listed firms that share a director, phone number or address with Pam Brown Mortgages. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

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

Firms like Pam Brown Mortgages

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

In Bicester

Bicester Mortgage & InsurancesBicesterAppointed representativeDouglas Smith Mortgage ServicesBicesterAppointed representativeHive Mortgage Solutions LimitedBicesterAppointed representativeJourney Mortgages LtdBicesterAppointed representativeOxford Mortgage Company LimitedBicesterAppointed representativeRightstep Mortgages LtdBicesterAppointed 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 Pam Brown Mortgages

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
  • 6 years of accounts, charted
  • All 21 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pam Brown Mortgages LLP FCA authorised?
Pam Brown Mortgages LLP (FRN 554829) 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 Pam Brown 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. Pam Brown Mortgages LLP (FRN 554829) is an AR of Mortgage Advice Bureau Limited (FRN 455545). When you use Pam Brown Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pam Brown 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 Pam Brown Mortgages’ phone number?
The FCA register lists the phone number 01869 320003 for Pam Brown Mortgages. If you were given different contact details, use these to check with the firm before going any further.
Is Pam Brown Mortgages a scam or clone?
Pam Brown 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 Pam Brown Mortgages?
Protection works through Mortgage Advice Bureau Limited, the principal firm responsible for Pam Brown Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pam Brown Mortgages?
Companies House lists 2 people with significant control of Pam Brown Mortgages: Mrs Pamela Brown (50–75% of votes) and Ms Nina Isobella Brown (25–50% of votes). Before that, it was controlled by Mr Anthony Brown.
Who runs Pam Brown Mortgages?
Companies House lists 2 directors of Pam Brown Mortgages: Pamela Margaret Brown and Nina Isobella Brown.
How long has Pam Brown Mortgages been in business?
The company was formed on 4 July 2011.
What do Pam Brown Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£45.3k (down £12.7k from −£32.6k).
Does Pam Brown Mortgages use any other names?
It trades as Mortgage Advice Bureau. It has previously used 4 other names, including Hanbury Mortgages LLP, Pam Brown LLP and Independent Mortgage Company.

Sources and links

The full report on Pam Brown Mortgages LLP

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