Pk Mortgage Services Limited

Reference number: 997366

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • PK MORTGAGE SERVICES LIMITED (FRN 997366) is an AR of Quilter Financial Services Limited (FRN 440703). When you use PK MORTGAGE SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PK MORTGAGE SERVICES, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When kellyfs.com first appeared online, and whether it can receive email
  • What kind of line 07791 014157 is
  • Who else gives the postcode DA8 3HB
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Other names (1)

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

  • Kelly Financial Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
05942510
Company status
Active
Company type
Private limited company
Incorporated
21 September 2006 (20 years old)
Registered office
The Old Barn, Wood Street, Swanley, Kent, BR8 7PA
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Emma Kelly Director Apr 1972 21 Sep 2006 None
Paul Michael Kelly Director Oct 1969 21 Sep 2006 None
Paul Michael Kelly Secretary Not published 21 Sep 2006 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£79.4k

−3.8% from £82.5k

Cash at bank

£103k

−17% from £123k

Employees (average)

6

Same as 6

Owed within a year

£36.7k

−23% from £47.5k

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
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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 05942510. 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

Pk Mortgage Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2023

5 June 2023

  • Became an appointed representative

FCA register

2016

6 April 2016

  • Emma Kelly became a part-owner (25–50% of shares)
  • Paul Michael Kelly became a part-owner (25–50% of shares)

Companies House

2006

21 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Pk Mortgage Services

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

In Erith

The Fincon Service LimitedErithAuthorised

In the Dartford (DA) postcode area

Anthony Roy MottBexleyheathAppointed representativeChintankumar PatelBexleyheathAppointed representativeClark Marshall Associates LimitedDartfordAppointed representativeDivwin Mortgages LtdSidcupAppointed representativeEDH Bracken LtdGreenhitheAppointed 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 Pk Mortgage Services

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, 1 flagged
  • 6 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is Pk Mortgage Services Limited FCA authorised?
Pk Mortgage Services Limited (FRN 997366) 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 Pk Mortgage Services?
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. Pk Mortgage Services Limited (FRN 997366) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Pk Mortgage Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Pk Mortgage Services, 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 Pk Mortgage Services’ phone number and website?
The FCA register lists the phone number 07791 014157 and the website kellyfs.com for Pk Mortgage Services. If you were given different contact details, use these to check with the firm before going any further.
Is Pk Mortgage Services a scam or clone?
Pk Mortgage Services 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 Pk Mortgage Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Pk Mortgage Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Pk Mortgage Services?
Companies House lists 2 people with significant control of Pk Mortgage Services: Mr Paul Michael Kelly (25–50% of shares) and Emma Kelly (25–50% of shares).
Who runs Pk Mortgage Services?
Companies House lists 2 directors of Pk Mortgage Services: Emma Kelly and Paul Michael Kelly.
How long has Pk Mortgage Services been in business?
The company was formed on 21 September 2006.
What do Pk Mortgage Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £79.4k (−3.8% from £82.5k) and cash at bank of £103k (−17% from £123k).
Does Pk Mortgage Services use any other names?
It trades as Kelly Financial.

Sources and links

The full report on Pk Mortgage Services Limited

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