John Charcol Mortgages Ltd

Reference number: 457289

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

The FCA register does not name a principal for this 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.
  • John Charcol Mortgages Ltd (FRN 457289) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from John Charcol 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.

Identity

Check their details

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.

Also trades as
  • John Charcol

Company details

From the company's Companies House record.

Company name
JOHN CHARCOL MORTGAGES LIMITED
Company number
05860900
Company status
Active
Company type
Private limited company
Incorporated
28 June 2006 (20 years old)
Registered office
Unit A Drivers Wharf, Northam Road, Southampton, SO14 0PF, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Christopher Wallis Director Apr 1967 4 Apr 2024
Jeremy Paul Gibson Director May 1973 4 Apr 2024
Lisa Zina Walklin-Knight Director Jul 1979 4 Apr 2024
Mayank Prakash Director Jan 1973 21 Oct 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Simply Finance Group Limited
  • Simply Finance Group Ltd

Names it no longer trades under

This firm has retired 2 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Simply Remortgages
  • Simply Wealth

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Common questions

Frequently asked questions

Is John Charcol Mortgages Ltd FCA authorised?
John Charcol Mortgages Ltd (FRN 457289) 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 John Charcol Mortgages?
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. John Charcol Mortgages Ltd (FRN 457289) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from John Charcol 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.
Is my money safe with John Charcol Mortgages?
Protection works through the principal firm responsible for John Charcol Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is John Charcol Mortgages a scam or clone?
John Charcol Mortgages is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is John Charcol Mortgages's Firm Reference Number (FRN)?
John Charcol Mortgages's FRN is 457289. You can verify it on the FCA register.