Protection Matters Limited: FCA regulated?

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 10 years
Protected through the principal
No FCA actions
Active company since 2015
Accounts filed up to 31 October 2025

Responsible principal firm

MORTGAGE INTELLIGENCE LIMITED Reference number: 305330 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.
Protection Matters Limited (FRN 744186) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Protection Matters's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Protection Matters, 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

01727 837437
Address

Fountain Court, 2 Victoria Square, Victoria Street, St. Albans, Hertfordshire, AL1 3TF, United Kingdom

In the full report: 2 background checks

What kind of line 01727 837437 is, and the other firm that gives it
Who else gives the postcode AL1 3TF

Other names (1)

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

The Protection Twins Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Mortgage Intelligence 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: 09922239 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 18 December 2015 (10 years old)
Registered office: Glantaf Office, Llanfallteg, Whitland, Carmarthenshire, SA34 0UT, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Adrian Deane	Director	Dec 1967	18 Dec 2015	3 other companies
James Kinns	Director	Jun 1979	24 May 2016	11 other companies
Mark Stephen Deane	Director	Oct 1966	1 Jul 2017	6 other companies

Other companies run by these 3 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: 13
closed down: 1
are FCA-registered: 2

In the full report: all 13 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register
The 6 companies these 3 directors run together

Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£55.5k

Up £56.3k from −£801

Employees (average)

0

Same as 0

Owed within a year

£36.5k

−37% from £57.9k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2025
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 09922239. 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

Protection Matters’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2017

1 February 2017

Jonathon Deane gained significant control

Companies House

2016

14 April 2016

Became an appointed representative

FCA register

2015

18 December 2015

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (3 shown here)
Every director appointment and resignation: 5

Firms connected to Protection Matters

Other FCA-listed firms that share a director, phone number or address with Protection Matters. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 5
no longer authorised: 1
share a director: 2

In the full report: all 5 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (4)
Who links each one: the named directors, with dates

Firms like Protection Matters

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

In St. Albans

Invoke Finance LtdSt. AlbansAppointed representative James Joseph LtdSt. AlbansAppointed representative Miriam StandenSt. AlbansAppointed representative The Mortgage Store (T.M.S) LimitedSt. AlbansAppointed representative Ingram Finance LimitedSt. AlbansAppointed representative Ashdale Mortgage Services Ltd.St. AlbansAuthorised

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 Protection Matters

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

13 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
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Protection Matters Limited FCA authorised?

Protection Matters Limited (FRN 744186) 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 Protection Matters?

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. Protection Matters Limited (FRN 744186) is an AR of MORTGAGE INTELLIGENCE LIMITED (FRN 305330). When you use Protection Matters's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Protection Matters, 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 Protection Matters’ phone number?

The FCA register lists the phone number 01727 837437 for Protection Matters. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Protection Matters a scam or clone?

Protection Matters 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 Protection Matters?

Protection works through Mortgage Intelligence Limited, the principal firm responsible for Protection Matters's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Protection Matters?

Companies House lists one person with significant control of Protection Matters: Mr Jonathon Deane (significant influence or control).

Who runs Protection Matters?

Companies House lists 3 directors of Protection Matters: Jonathan Adrian Deane, James Kinns and Mark Stephen Deane.

How long has Protection Matters been in business?

The company was formed on 18 December 2015.

What do Protection Matters’ latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of £55.5k (up £56.3k from −£801).

Does Protection Matters use any other names?

It has previously used the name The Protection Twins.