PMI Protect Ltd

Reference number: 785486

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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

The Right Mortgage Limited Reference number: 649443 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.
  • PMI Protect Ltd (FRN 785486) is an AR of The Right Mortgage Limited (FRN 649443). When you use PMI Protect's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PMI Protect, 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

    01555 860497

  • Address

    9 Holm Road, Crossford, Carluke, South Lanarkshire, ML8 5RG, United Kingdom

In the full report: 2 background checks

  • What kind of line 01555 860497 is
  • Who else gives the postcode ML8 5RG
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The Right Mortgage 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
SC559496
Company status
Active
Company type
Private limited company
Incorporated
6 March 2017 (9 years old)
Registered office
15 St. Leonard Street, Lanark, Lanarkshire, ML11 7AB, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Hanney Director Apr 1961 6 Mar 2017 None
Lorraine Hanney Director Nov 1964 6 Mar 2017 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 31 March 2025Micro-entity accountsNot audited

Total equity

−£4,490

−206% from £4,255

Employees (average)

2

Same as 2

Owed within a year

£11.5k

+5.4% from £10.9k

Total equity is negative: on its last balance sheet the company owed £4,490 more than it owned.

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
Instant PDF download
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 SC559496. 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

PMI Protect’s history from the FCA register and Companies House, newest first.

2017

31 July 2017

  • Became an appointed representative

FCA register

6 March 2017

  • Incorporated at Companies House
  • Alan Hanney became the majority owner (50–75% of shares)
  • Lorraine Hanney became a part-owner (25–50% of shares)
  • Alan Hanney appointed as a director
  • Lorraine Hanney appointed as a director

Companies House

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

Firms like PMI Protect

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

In Carluke

RJW Mortgages LimitedCarlukeAppointed representative

In the Motherwell (ML) postcode area

3 Sigma Financial Solutions LtdHamiltonAppointed representativeA C Mortgage and ProtectionHamiltonAppointed representativeAimee Kyle Mortgages LtdStrathavenAppointed representativeArrowhead Financial LtdAirdrieAppointed representativeEvery Mortgage Matters LtdHamiltonAppointed 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 PMI Protect

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 PMI Protect Ltd FCA authorised?
PMI Protect Ltd (FRN 785486) 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 PMI Protect?
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. PMI Protect Ltd (FRN 785486) is an AR of The Right Mortgage Limited (FRN 649443). When you use PMI Protect's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PMI Protect, 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 PMI Protect’s phone number?
The FCA register lists the phone number 01555 860497 for PMI Protect. If you were given different contact details, use these to check with the firm before going any further.
Is PMI Protect a scam or clone?
PMI Protect 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 PMI Protect?
Protection works through The Right Mortgage Limited, the principal firm responsible for PMI Protect's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns PMI Protect?
Companies House lists 2 people with significant control of PMI Protect: Mr Alan Hanney (50–75% of shares) and Mrs Lorraine Hanney (25–50% of shares).
Who runs PMI Protect?
Companies House lists 2 directors of PMI Protect: Alan Hanney and Lorraine Hanney.
How long has PMI Protect been in business?
The company was formed on 6 March 2017.
What do PMI Protect’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of −£4,490 (−206% from £4,255).

Sources and links

The full report on PMI Protect Ltd

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