SJ Mortgages Ltd
Reference number: 948387
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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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2026
Responsible principal firm
PIVOTAL FINANCIAL LIMITED Reference number: 665649 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.
- SJ Mortgages Ltd (FRN 948387) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use SJ Mortgages's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from SJ Mortgages, 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.
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Phone number
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Address
10 Steel House, 4300 Parkway, Whiteley, Fareham, Hampshire, PO15 7FP, United Kingdom
In the full report: 3 background checks
- When sjmortgages.co.uk first appeared online, and whether it can receive email
- What kind of line 023 8235 2322 is
- Who else gives the postcode PO15 7FP
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Pivotal Financial 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, freeYou 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
- 13248757 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 March 2021 (5 years old)
- Registered office
- Office 10, Steel House, Solent Business Park, Fareham, PO15 7FP, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Scott William John Barron | Director | Nov 1986 | 5 Mar 2021 | None |
| Jack Michael Tutton | Director | Jan 1992 | 5 Mar 2021 | 1 other company |
Other companies run by these 2 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 company
- 1
- still active
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£21.7k
+11% from £19.5k
Cash at bank
£48.1k
+21% from £39.8k
Employees (average)
2
Same as 2
Owed within a year
£27.1k
+27% from £21.3k
Assets and liabilities
In the full report: all 5 years of accounts
- Every year from 2022 to 2026
- 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 13248757. 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
SJ Mortgages’s history from the FCA register and Companies House, newest first.
2021
31 March 2021
- Became an appointed representative
FCA register
5 March 2021
- Incorporated at Companies House
- Jack Michael Tutton became a part-owner (25–50% of shares)
- Scott William John Barron became a part-owner (25–50% of shares)
- Jack Michael Tutton appointed as a director
- Scott William John Barron appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to SJ Mortgages
Other FCA-listed firms that share a director, phone number or address with SJ Mortgages. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like SJ Mortgages
Other firms of the same type (mortgage adviser or broker), nearest first.
In Fareham
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 SJ Mortgages
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 6 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk