Penny Jones Mortgages Limited

Reference number: 612138

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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 12 years
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 March 2026

Responsible principal firm

Sesame Limited Reference number: 150427 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.
Penny Jones Mortgages Limited (FRN 612138) is an AR of Sesame Limited (FRN 150427). When you use Penny Jones Mortgages's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Penny Jones 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

01404 758060
Address

9 Woodman's Orchard, Talaton, Exeter, Devon, EX5 2SE, United Kingdom

In the full report: 2 background checks

What kind of line 01404 758060 is
Who else gives the postcode EX5 2SE

Other names (1)

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

Penny Jones Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Sesame 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: 12443096 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 February 2020 (6 years old)
Registered office: 9 Woodmans Orchard, Talaton, Exeter, EX5 2SE, England
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Penny Jones	Director	Oct 1977	5 Feb 2020	None

In the full report: every company its directors have run

Confirmation that its director runs no other company

Filed accounts and finances

Year to 31 March 2026Dormant company accountsNot audited

Net assets

£100

Same as £100

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

In the full report: all 6 years of accounts

Every year from 2021 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.

Accounts filed at Companies House for company 12443096. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Penny Jones Mortgages’s history from the FCA register and Companies House, newest first.

2026

19 February 2026

Changed its registered name from "Penny Jones"

FCA register

2020

5 February 2020

Incorporated at Companies House
Penny Jones took control (75–100% of shares)
Penny Jones appointed as a director

Companies House

2013

19 December 2013

Became an appointed representative
Began trading as "Penny Jones Mortgages"

FCA register

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

Firms like Penny Jones Mortgages

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

In Exeter

Asset Finance Specialists LtdExeterAppointed representative Awesome Mortgages LtdExeterAppointed representative Daniel HarveyExeterAppointed representative Embrace Financial Services LTDExeterAppointed representative Harper Financial LtdExeterAppointed representative Karen SnellExeterAppointed 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 Penny Jones 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
2 background checks on its contact details
6 years of accounts, charted
All 6 events in its history

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Frequently asked questions about this firm

Is Penny Jones Mortgages Limited FCA authorised?

Penny Jones Mortgages Limited (FRN 612138) 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 Penny Jones 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. Penny Jones Mortgages Limited (FRN 612138) is an AR of Sesame Limited (FRN 150427). When you use Penny Jones Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Penny Jones 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 Penny Jones Mortgages’ phone number?

The FCA register lists the phone number 01404 758060 for Penny Jones Mortgages. If you were given different contact details, use these to check with the firm before going any further.

Is Penny Jones Mortgages a scam or clone?

Penny Jones 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 Penny Jones Mortgages?

Protection works through Sesame Limited, the principal firm responsible for Penny Jones Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Penny Jones Mortgages?

Companies House lists one person with significant control of Penny Jones Mortgages: Mrs Penny Jones (75–100% of shares).

Who runs Penny Jones Mortgages?

Companies House lists one director of Penny Jones Mortgages: Penny Jones.

How long has Penny Jones Mortgages been in business?

The company was formed on 5 February 2020.

What do Penny Jones Mortgages’ latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £100 (same as £100).

Does Penny Jones Mortgages use any other names?

It has previously used the name Penny Jones.

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