Matthew Waters

Watch for changes

Where they hold approval

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

Personal Touch Financial Services Limited
FRN 187834
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- CF1 Director (AR) (since 29 Jul 2025)
- Appointed representative dealing with clients for which they require qualification (since 13 Feb 2023)
Mortgages Norfolk Limited
FRN 943983
- (1)Employed By (since 29 Jul 2025)
Mortgage Advice Bureau Limited (no longer approved here)
FRN 455545
- Appointed representative dealing with clients for which they require qualification (25 Jan 2021 to 31 Jan 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.