Sarah Johnston Financial Limited

Reference number: 991949

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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

HL Partnership Limited Reference number: 303397 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.
  • Sarah Johnston Financial Limited (FRN 991949) is an AR of HL Partnership Limited (FRN 303397). When you use Sarah Johnston Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sarah Johnston Financial, 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

    07827 814253

  • Address

    12 Cherry Tree Close, Castleford, WF10 5JP, United Kingdom

In the full report: 2 background checks

  • What kind of line 07827 814253 is
  • Who else gives the postcode WF10 5JP
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Other names (1)

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

  • SJ Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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
11549848
Company status
Active
Company type
Private limited company
Incorporated
3 September 2018 (8 years old)
Registered office
12 Cherry Tree Close, Castleford, WF10 5JP, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Jane Johnston Director Mar 1989 3 Sep 2018 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

−£16.1k

Down £423 from −£15.7k

Employees (average)

1

Same as 1

Owed within a year

£16.7k

−2.1% from £17.1k

Net assets are negative: on its last balance sheet the company owed £16.1k more than it owned.

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
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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 11549848. 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

Sarah Johnston Financial’s history from the FCA register and Companies House, newest first.

2023

16 February 2023

  • Became an appointed representative
  • Began trading as "SJ Mortgages"

FCA register

2018

3 September 2018

  • Incorporated at Companies House
  • Sarah Jane Johnston gained significant control
  • Sarah Jane Johnston appointed as a director

Companies House

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

Firms like Sarah Johnston Financial

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

In Castleford

Ambler Financial Services LTDCastlefordAppointed representativeJonathan WeirCastlefordAppointed representative

In the Wakefield (WF) postcode area

Belle Maison Mortgage Solutions LtdPontefractAppointed representativeCarlile Financial LtdPontefractAppointed representativeCatapult Business Finance LimitedOssettAppointed representativeChris Law Mortgage Services LimitedHorburyAppointed 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 Sarah Johnston Financial

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
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Sarah Johnston Financial Limited FCA authorised?
Sarah Johnston Financial Limited (FRN 991949) 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 Sarah Johnston Financial?
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. Sarah Johnston Financial Limited (FRN 991949) is an AR of HL Partnership Limited (FRN 303397). When you use Sarah Johnston Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sarah Johnston Financial, 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 Sarah Johnston Financial’s phone number?
The FCA register lists the phone number 07827 814253 for Sarah Johnston Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Sarah Johnston Financial a scam or clone?
Sarah Johnston Financial 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 Sarah Johnston Financial?
Protection works through HL Partnership Limited, the principal firm responsible for Sarah Johnston Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sarah Johnston Financial?
Companies House lists one person with significant control of Sarah Johnston Financial: Miss Sarah Jane Johnston (significant influence or control).
Who runs Sarah Johnston Financial?
Companies House lists one director of Sarah Johnston Financial: Sarah Jane Johnston.
How long has Sarah Johnston Financial been in business?
The company was formed on 3 September 2018.
What do Sarah Johnston Financial’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of −£16.1k (down £423 from −£15.7k).
Does Sarah Johnston Financial use any other names?
It trades as SJ Mortgages.

Sources and links

The full report on Sarah Johnston Financial Limited

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