David Waters

Watch for changes

Where they hold approval

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

First Complete Limited
FRN 435779
- 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 Apr 2024)
- CF1 Director (AR) (since 11 Apr 2024)
Pivot Mortgages Ltd
FRN 1010718
- (1)Employed By (since 11 Apr 2024)
Advanta Wealth Ltd (no longer approved here)
FRN 605977
- [FCA CF] Functions requiring qualifications (17 Aug 2020 to 29 Jan 2024)
MORTGAGE INTELLIGENCE LIMITED (no longer approved here)
FRN 305330
- Appointed representative dealing with clients for which they require qualification (9 Dec 2019 to 30 Jul 2020)

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.