Kelly Ann Owens

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
- 21. Advising or arranging (bringing about) equity release transactions
- Appointed representative dealing with clients for which they require qualification (since 7 Mar 2025)
- Appointed representative dealing with clients for which they require qualification (28 Oct 2024 to 21 Feb 2025)
Fluent Money Limited (no longer approved here)
FRN 654425
- Appointed representative dealing with clients for which they require qualification (1 Aug 2023 to 31 Dec 2023)

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.