Your Mortgage Room Ltd

Reference number: 945804

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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.
  • Your Mortgage Room Ltd (FRN 945804) is an AR of HL Partnership Limited (FRN 303397). When you use Your Mortgage Room's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Your Mortgage Room, 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.

In the full report: 3 background checks

  • When yourmortgageroom.co.uk first appeared online, and whether it can receive email
  • What kind of line 07557 949042 is
  • Who else gives the postcode BN1 6JT
Instant PDF download
Other names (1)

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

  • Your Insurance Room 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
11834011
Company status
Active
Company type
Private limited company
Incorporated
19 February 2019 (7 years old)
Registered office
15 West Street, Brighton, BN1 2RL, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Charlotte Kate Oakley Director Mar 1988 19 Feb 2019 2 other companies

Other companies run by its director

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
1
still active
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£77.5k

−27% from £106k

Cash at bank

£69.3k

−35% from £107k

Employees (average)

3

Same as 3

Owed within a year

£10.7k

−65% from £30.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 11834011. 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 Room’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2022

22 April 2022

  • Richard Branson stopped being a part-owner

Companies House

2021

1 June 2021

  • Richard Branson became a part-owner (25–50% of shares)

Companies House

28 February 2021

  • Became an appointed representative

FCA register

2019

19 February 2019

  • Incorporated at Companies House
  • Charlotte Kate Oakley took control (75–100% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like Your Mortgage Room

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

In the Brighton (BN) postcode area

Adele TomasinBrightonAppointed representativeAnchor Mortgages LtdHoveAppointed representativeApollo Mortgages LimitedWorthingAppointed representativeArrow Mortgage Solutions LtdWorthingAppointed representativeAxios Finance LtdWorthingAppointed representativeBespoke Mortgage Services LimitedLittlehamptonAppointed 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 Your Mortgage Room

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
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Your Mortgage Room Ltd FCA authorised?
Your Mortgage Room Ltd (FRN 945804) 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 Your Mortgage Room?
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. Your Mortgage Room Ltd (FRN 945804) is an AR of HL Partnership Limited (FRN 303397). When you use Your Mortgage Room's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Your Mortgage Room, 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 Your Mortgage Room’s phone number and website?
The FCA register lists the phone number 07557 949042 and the website yourmortgageroom.co.uk for Your Mortgage Room. If you were given different contact details, use these to check with the firm before going any further.
Is Your Mortgage Room a scam or clone?
Your Mortgage Room 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 Your Mortgage Room?
Protection works through HL Partnership Limited, the principal firm responsible for Your Mortgage Room's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Your Mortgage Room?
Companies House lists one person with significant control of Your Mortgage Room: Miss Charlotte Kate Oakley (75–100% of shares). Before that, it was controlled by Mr Richard Branson.
Who runs Your Mortgage Room?
Companies House lists one director of Your Mortgage Room: Charlotte Kate Oakley.
How long has Your Mortgage Room been in business?
The company was formed on 19 February 2019.
What do Your Mortgage Room’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £77.5k (−27% from £106k) and cash at bank of £69.3k (−35% from £107k).
Does Your Mortgage Room use any other names?
It trades as Your Insurance Room.

Sources and links

The full report on Your Mortgage Room Ltd

£19.99 · Instant PDF download

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