Penny Jane Mortgages Limited
Reference number: 955826
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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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2026
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- Penny Jane Mortgages Limited (FRN 955826) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Penny Jane Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Penny Jane 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.
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Phone number
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Address
25 Christopher Street, London, EC2A 2BS, United Kingdom
In the full report: 3 background checks
- When charcol.co.uk first appeared online, and whether it can receive email
- What kind of line 07717 841134 is
- Who else gives the postcode EC2A 2BS
Other names (1)
If you were contacted under any of these names, it is this firm.
- Penny Jane Mortgages Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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
- 13449082 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 June 2021 (5 years old)
- Registered office
- 6 St. Marys Road, Benfleet, SS7 1NR, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Penny Jane Ives | Director | Nov 1992 | 10 Jun 2021 | None |
| Luke Ives | Director | Mar 1992 | 21 Oct 2026 | None |
| Luke Ives | Secretary | Not published | 5 Sep 2023 | – |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£24.7k
Up £23.7k from £934
Employees (average)
1
Same as 1
Owed within a year
£27.8k
+3.7% from £26.8k
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2023 to 2026
- 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 13449082. 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
Penny Jane Mortgages’s history from the FCA register and Companies House, newest first.
2024
24 May 2024
- Changed its registered name from "Penny Jane Mortgages Ltd"
FCA register
2023
5 June 2023
- Luke Ives became a part-owner (25–50% of shares)
Companies House
2021
30 July 2021
- Became an appointed representative
FCA register
10 June 2021
- Incorporated at Companies House
- Penny Jane Ives took control (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms like Penny Jane Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In London
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 Penny Jane Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 4 years of accounts, charted
- All 9 events in its history
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Frequently asked questions about this firm
Is Penny Jane Mortgages Limited FCA authorised?
What does appointed representative mean for Penny Jane Mortgages?
What is Penny Jane Mortgages’ phone number and website?
Is Penny Jane Mortgages a scam or clone?
Is my money safe with Penny Jane Mortgages?
Who owns Penny Jane Mortgages?
Who runs Penny Jane Mortgages?
How long has Penny Jane Mortgages been in business?
What do Penny Jane Mortgages’ latest accounts show?
Does Penny Jane Mortgages 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