Payne Spencer Harris Financial Advisers Limited

Reference number: 769184

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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

Openwork Limited Reference number: 408285 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.
  • Payne Spencer Harris Financial Advisers Limited (FRN 769184) is an AR of Openwork Limited (FRN 408285). When you use Payne Spencer Harris Financial Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Payne Spencer Harris Financial Advisers, 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

    07989 578313

  • Address

    21 Charborough Close, Lytchett Matravers, Poole, BH16 6DJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07989 578313 is
  • Who else gives the postcode BH16 6DJ
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Other names (3)

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

  • PSH Mortgages Trading name
  • JP Mortgage Services Limited Former name
  • JP Mortgages Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
10551102
Company status
Active
Company type
Private limited company
Incorporated
6 January 2017 (9 years old)
Registered office
James House 40 Lagland Street, Poole, BH15 1QG, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Robert Payne Director Oct 1979 6 Jan 2017 2 other companies
Willam Philip Spencer Harris Director Jun 1989 17 Nov 2020 1 other company

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
3
still active
3

In the full report: all 3 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
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£206

Down £70 from £276

Cash at bank

£33.7k

+38% from £24.4k

Employees (average)

4

Same as 4

Owed within a year

£56.6k

+32% from £42.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 10551102. 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

Payne Spencer Harris Financial Advisers’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2020

8 December 2020

  • Changed its registered name from "JP Mortgage Services Limited"

FCA register

17 November 2020

  • Willam Philip Spencer Harris became a part-owner (25–50% of shares)

Companies House

2017

11 January 2017

  • Became an appointed representative

FCA register

6 January 2017

  • Incorporated at Companies House
  • James Robert Payne took control (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms like Payne Spencer Harris Financial Advisers

Other firms of the same type (financial adviser), nearest first.

In Poole

Acconomy LimitedPooleAppointed representativeAcconomy VFD LimitedPooleAppointed representativeAdvisoryLondon Networks LimitedPooleAppointed representativeAMA Financial SolutionsPooleAppointed representativeAvalon (Bournemouth) LtdPooleAppointed representativeFinitor Wealth Platform LtdPooleAppointed 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 Payne Spencer Harris Financial Advisers

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

  • 3 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Payne Spencer Harris Financial Advisers Limited FCA authorised?
Payne Spencer Harris Financial Advisers Limited (FRN 769184) 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 Payne Spencer Harris Financial Advisers?
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. Payne Spencer Harris Financial Advisers Limited (FRN 769184) is an AR of Openwork Limited (FRN 408285). When you use Payne Spencer Harris Financial Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Payne Spencer Harris Financial Advisers, 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 Payne Spencer Harris Financial Advisers’ phone number?
The FCA register lists the phone number 07989 578313 for Payne Spencer Harris Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Payne Spencer Harris Financial Advisers a scam or clone?
Payne Spencer Harris Financial Advisers 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 Payne Spencer Harris Financial Advisers?
Protection works through Openwork Limited, the principal firm responsible for Payne Spencer Harris Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Payne Spencer Harris Financial Advisers?
Companies House lists 2 people with significant control of Payne Spencer Harris Financial Advisers: Mr James Robert Payne (25–50% of shares) and Mr Willam Philip Spencer Harris (25–50% of shares).
Who runs Payne Spencer Harris Financial Advisers?
Companies House lists 2 directors of Payne Spencer Harris Financial Advisers: James Robert Payne and Willam Philip Spencer Harris.
How long has Payne Spencer Harris Financial Advisers been in business?
The company was formed on 6 January 2017.
What do Payne Spencer Harris Financial Advisers’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £206 (down £70 from £276) and cash at bank of £33.7k (+38% from £24.4k).
Does Payne Spencer Harris Financial Advisers use any other names?
It trades as PSH Mortgages. It has previously used 2 other names: JP Mortgage Services Limited and JP Mortgages.

Sources and links

The full report on Payne Spencer Harris Financial Advisers Limited

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