PKN Mortgages & Protection

Reference number: 1051584

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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.

Responsible principal firm

The Lending Channel Ltd Reference number: 626787 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.
  • PKN Mortgages & Protection (FRN 1051584) is an AR of The Lending Channel Ltd (FRN 626787). When you use PKN Mortgages & Protection's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PKN Mortgages & 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.

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.

  • No website on the FCA register

  • Verified phone number

    07305 269734

  • Verified address

    9 Woodfoot Quadrant, Glasgow, Glasgow City, G53 7JP, United Kingdom

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 Lending Channel 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: 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 one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Pamela Roy

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Common questions

Frequently asked questions

Is PKN Mortgages & Protection FCA authorised?
PKN Mortgages & Protection (FRN 1051584) 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 PKN Mortgages & Protection?
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. PKN Mortgages & Protection (FRN 1051584) is an AR of The Lending Channel Ltd (FRN 626787). When you use PKN Mortgages & Protection's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PKN Mortgages & 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.
Is my money safe with PKN Mortgages & Protection?
Protection works through The Lending Channel Ltd, the principal firm responsible for PKN Mortgages & Protection's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is PKN Mortgages & Protection a scam or clone?
PKN Mortgages & Protection 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 PKN Mortgages & Protection's Firm Reference Number (FRN)?
PKN Mortgages & Protection's FRN is 1051584. You can verify it on the FCA register.