Your Mortgage People Limited
Reference number: 685250
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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
3 Whittle Avenue, Fareham, Hampshire, PO15 5SH, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When yourmortgagepeople.co.uk first appeared online, and whether it can receive email
- What kind of line 01489 667030 is
- Who else gives the postcode PO15 5SH
Other names (7)
If you were contacted under any of these names, it is this firm.
- Your Insurance People Trading name: A name it trades under now.
- Your Protection People Trading name: A name it trades under now.
- Your Recruitment People Trading name: A name it trades under now.
- The Fair Trade Practice Limited Former name: A name it was registered under before.
- Mortgage Max Former trading name: A name it used to trade under.
- Remortgage People Former trading name: A name it used to trade under.
- You're Insured Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
- Acting as a CBTL advisor
- Acting as a CBTL arranger
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Advising on P2P agreements
- Advising on regulated mortgage contracts
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Credit Broking
- Debt-counselling
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
Limits on what they may do
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Activities only in respect of long term insurance.
The firm may only carry on listed activities in respect of the investments specified for the purpose of its long term insurance business.
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
- 08503153 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 April 2013 (13 years old)
- Registered office
- Fair Trade House, 3 Whittle Avenue, Fareham, PO15 5SH, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Scott James Andrew Harris | Director | Jul 1979 | 1 Oct 2018 | 1 other company |
| Fiona Avril Young | Director | Apr 1983 | 10 Mar 2022 | 1 other company |
| Paul Hinton | Director | Jun 1976 | 10 Mar 2022 | None |
| Graham Downes | Director | Apr 1975 | 10 Mar 2022 | None |
| Amba Marie Mendez | Director | Mar 1990 | 1 Apr 2024 | None |
| Victoria Jayne Hemmings | Director | Nov 1984 | 20 Oct 2025 | 1 other company |
Other companies run by these 6 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
- 3
- still active
- 3
- are FCA-registered
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 6 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- All 10 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£14.1m
+39% from £10.1m
Profit before tax
£4.06m
+83% from £2.23m
Net assets
£5.93m
+9.3% from £5.43m
Cash at bank
£1.06m
+104% from £521k
Turnover and profit
In the full report: all 8 years of accounts
- Every year from 2019 to 2025
- Both charts, 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.
Accounts filed at Companies House for company 08503153. 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
Your Mortgage People’s history from the FCA register and Companies House, newest first.
2022
15 December 2022
- The Protection Specialist Limited stopped being the majority owner
Companies House
30 June 2022
- Scott James Andrew Harris stopped being a part-owner
- The Protection Specialist Limited became the majority owner (50–75% of shares)
Companies House
2021
21 April 2021
- Changed its registered name from "The Fair Trade Practice Limited"
FCA register
2020
30 November 2020
- James Jerold Reed stopped being a part-owner
- Lance Consolidation Limited took control (75–100% of shares)
Companies House
19 October 2020
- FCA imposed a requirement (Activities only in respect of long term insurance.)
FCA register
2018
1 October 2018
- James Jerold Reed became a part-owner (25–50% of shares)
- Scott James Andrew Harris became a part-owner (25–50% of shares)
- Timothy James Hayes gave up control
Companies House
1 July 2018
- Board replaced: both directors left and 3 new directors took over
- James Jerold Reed became a part-owner (25–50% of shares)
- James Jerold Reed stopped being a part-owner
- Scott James Andrew Harris became a part-owner (25–50% of shares)
- Scott James Andrew Harris stopped being a part-owner
- Timothy James Hayes gave up control
- Timothy James Hayes took control (75–100% of shares)
Companies House
2016
6 April 2016
- Timothy James Hayes took control (75–100% of shares)
Companies House
2015
30 September 2015
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2013
24 April 2013
- Incorporated at Companies House
Companies House
In the full report: all 52 events
- All 52 events in its history (21 shown here)
- Every director appointment and resignation: 20
Firms connected to Your Mortgage People
Other FCA-listed firms that share a director, phone number or address with Your Mortgage People. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (2), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Your Mortgage People
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 Your Mortgage People
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 8 years of accounts, charted
- All 52 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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What is Your Mortgage People’s phone number and website?
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Is my money safe with Your Mortgage People?
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Who runs Your Mortgage People?
How long has Your Mortgage People been in business?
What do Your Mortgage People’s latest accounts show?
Does Your Mortgage People use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk