Andrew Gardner

Watch for changes

Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

Mortgage Advice Bureau (Derby) Limited
FRN 466154
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- Appointed representative dealing with clients for which they require qualification (since 15 Jan 2026)
- CF1 Director (AR) (since 18 Nov 2025)
Premiere FS Ltd
FRN 1044404
- (1)Employed By (since 18 Nov 2025)
QUILTER FINANCIAL SERVICES LIMITED (no longer approved here)
FRN 440703
- Appointed representative dealing with clients for which they require qualification (9 Dec 2019 to 14 Jan 2026)
- CF30 Customer (28 Jan 2019 to 8 Apr 2019)
Beals Mortgage and Financial Services Limited (no longer approved here)
FRN 471442
- Employed By (21 Nov 2019 to 21 Jan 2026)

Updates to this individual'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. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

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