Young Mortgage and Protection Ltd
Reference number: 954726
Instant download
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 2020
- Accounts filed up to 30 April 2026
Responsible principal firm
Cornerstone Finance Group Ltd Reference number: 767202 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.
- Young Mortgage and Protection Ltd (FRN 954726) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Young Mortgage and Protection's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Young Mortgage and Protection, 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
38 Romilly Park Road, Barry, Vale of Glamorgan, CF62 6RR, United Kingdom
In the full report: 3 background checks
- When youngmp.co.uk first appeared online, and whether it can receive email
- What kind of line 07910 394504 is
- Who else gives the postcode CF62 6RR
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Cornerstone Finance Group Ltd, 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
- 12576771 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 April 2020 (6 years old)
- Registered office
- 38 Romilly Park Road, Barry, CF62 6RR, Wales
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Olivia Jane Callard-Williams | Director | Feb 1992 | 28 Apr 2020 | None |
| Paula Jane Dorothy Young | Director | Jul 1964 | 1 Apr 2021 | 2 other companies |
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 companies
- 2
- closed down
- 2
In the full report: all 2 companies, 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
£287
Up £170 from £117
Cash at bank
£4,641
Up £4,641 from £0
Employees (average)
2
−33% from 3
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2021 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 12576771. 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
Young Mortgage and Protection’s history from the FCA register and Companies House, newest first.
2021
14 July 2021
- Became an appointed representative
FCA register
1 April 2021
- Paula Jane Dorothy Young appointed as a director
Companies House
2020
28 April 2020
- Incorporated at Companies House
- Olivia Jane Callard-Williams became a part-owner (25–50% of shares)
- Olivia Jane Callard-williams appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Young Mortgage and Protection
Other firms of the same type (insurance broker), nearest first.
In Barry
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 Young Mortgage and Protection
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 5 events in its history
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Frequently asked questions about this firm
Is Young Mortgage and Protection Ltd FCA authorised?
What does appointed representative mean for Young Mortgage and Protection?
What is Young Mortgage and Protection’s phone number and website?
Is Young Mortgage and Protection a scam or clone?
Is my money safe with Young Mortgage and Protection?
Who owns Young Mortgage and Protection?
Who runs Young Mortgage and Protection?
How long has Young Mortgage and Protection been in business?
What do Young Mortgage and Protection’s latest accounts show?
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