Pat Hutchings

Reference number: 405941

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Appointed representative

Pat Hutchings does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Mortgage Next Network Limited Reference number: 300866 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.
  • Pat Hutchings (FRN 405941) is an AR of Mortgage Next Network Limited (FRN 300866). When you use Pat Hutchings's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Pat Hutchings, 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

    01634 790430

  • Address

    16 Sherwood House, Walderslade Centre, Chatham, Kent, ME5 9UD, United Kingdom

In the full report: 2 background checks

  • What kind of line 01634 790430 is, and the other firm that gives it
  • Who else gives the postcode ME5 9UD
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Other names (1)

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

  • Ethical Mortgage Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Next Network 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.

Key dates in its history

Pat Hutchings’s history from the FCA register and Companies House, newest first.

2004

3 November 2004

  • Began trading as "Ethical Mortgage Solutions"

FCA register

31 October 2004

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Pat Hutchings

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Pat Hutchings

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

In Chatham

Damilola Franklin AkinbobolaChathamAppointed representativeHampton Financial LimitedChathamAppointed representativeMark BridgeChathamAppointed representativeSimon Christopher HancockChathamAppointed representativeAdvice Solutions LimitedChathamAuthorised

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 Pat Hutchings

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 2 background checks on its contact details
  • All 2 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pat Hutchings FCA authorised?
Pat Hutchings (FRN 405941) 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 Pat Hutchings?
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. Pat Hutchings (FRN 405941) is an AR of Mortgage Next Network Limited (FRN 300866). When you use Pat Hutchings's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pat Hutchings, 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 Pat Hutchings’ phone number?
The FCA register lists the phone number 01634 790430 for Pat Hutchings. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Pat Hutchings a scam or clone?
Pat Hutchings 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 Pat Hutchings?
Protection works through Mortgage Next Network Limited, the principal firm responsible for Pat Hutchings's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Pat Hutchings use any other names?
It trades as Ethical Mortgage Solutions.

Sources and links

The full report on Pat Hutchings

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