Michael John Higgins

Watch for changes

Where they hold approval

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

Ingard Financial Limited
FRN 450731
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Client dealing (since 7 Aug 2025)
- [FCA CF] Functions requiring qualifications (since 7 Aug 2025)
Didsbury Mortgage Co Ltd (no longer approved here)
FRN 751361
- [FCA CF] Functions requiring qualifications (14 Mar 2024 to 24 Jul 2025)

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.