Jyoti Patel

Watch for changes

Where they hold approval

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

First Mortgage Solutions Limited
FRN 949476
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- CF1 Director (AR) (since 12 Mar 2026)
- Responsible for Insurance Distribution (since 12 Mar 2026)
- [FCA CF] Functions requiring qualifications (since 23 Jan 2025)
SGK MORTGAGES LIMITED
FRN 1052298
- (1)Employed By (since 12 Mar 2026)
REFRESH MORTGAGE NETWORK LIMITED (no longer approved here)
FRN 826982
- [FCA CF] Functions requiring qualifications (5 Dec 2024 to 13 Jan 2025)
The On-Line Partnership Limited (no longer approved here)
FRN 192638
- Appointed representative dealing with clients for which they require qualification (24 Jan 2023 to 13 Nov 2024)

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.