Fluent Mortgages Horwich Limited

This firm operates as an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. Its regulated business runs under their FCA authorisations, and they're jointly legally responsible for what it does.

Approved individuals

Senior staff personally approved by the FCA to hold their roles here.

Benjamin David Thompson
IRN BDT01010
- (3)Employed By (12 Aug 2022 to 14 Jan 2026)
Kevin Hindley
IRN KXH01343
- (4)Employed By (28 Jul 2022 to 30 Nov 2023)
Lucy Claire Tilley
IRN LCH01011
- (2)Employed By (12 Aug 2022 to 18 Feb 2015)
Mark Kilgallon
IRN MXK02277
- (1)Employed By (27 Jul 2022 to 30 Nov 2023)
Peter Christopher Steven Brodnicki
IRN PCB00022
- (1)Employed By (since 12 Aug 2022)
Timothy Wheeldon
IRN TXW01208
- (2)Employed By (since 29 Jul 2022)

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.