Richard Johnson

Reference number: 451436

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Appointed representative

Richard Johnson does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Mortgage Next Network Limited Reference number: 300866 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.
  • Richard Johnson (FRN 451436) is an AR of Mortgage Next Network Limited (FRN 300866). When you use Richard Johnson's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Richard Johnson, 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

    020 8245 8464

  • Address

    125 Goat Lane, Enfield, Middlesex, EN1 4UD, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8245 8464 is
  • Who else gives the postcode EN1 4UD
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Other names (2)

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

  • RJ Mortgage Finance Trading name
  • RJ Mortgage Finance & Protection Adviser Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Next Network 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.

Key dates in its history

Richard Johnson’s history from the FCA register and Companies House, newest first.

2023

28 March 2023

  • Began trading as "RJ Mortgage Finance & Protection Adviser"

FCA register

2015

13 April 2015

  • Changed its registered name from "RJ Mortgage Finance"
  • Began trading as "RJ Mortgage Finance"

FCA register

2006

3 May 2006

  • Became an appointed representative

FCA register

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

Firms like Richard Johnson

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

In Enfield

Maria Koleva Mortgage Consultancy LtdEnfieldAppointed representativeApprovable LimitedEnfieldAppointed representativeBeets Mortgages LtdEnfieldAppointed representativeChancery Barr Financial Services LimitedEnfieldAppointed representativeCrossbrook Finance LtdEnfieldAppointed representativeMBA Financial LtdEnfieldAppointed 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 Richard Johnson

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

  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Richard Johnson FCA authorised?
Richard Johnson (FRN 451436) 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 Richard Johnson?
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. Richard Johnson (FRN 451436) is an AR of Mortgage Next Network Limited (FRN 300866). When you use Richard Johnson's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Richard Johnson, 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 Richard Johnson’s phone number?
The FCA register lists the phone number 020 8245 8464 for Richard Johnson. If you were given different contact details, use these to check with the firm before going any further.
Is Richard Johnson a scam or clone?
Richard Johnson 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 Richard Johnson?
Protection works through Mortgage Next Network Limited, the principal firm responsible for Richard Johnson's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Richard Johnson use any other names?
It trades as RJ Mortgage Finance and RJ Mortgage Finance & Protection Adviser.

Sources and links

The full report on Richard Johnson

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