Michael Yau

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Where they hold approval

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

Mortgage Advice Bureau Limited
FRN 455545
- 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 7 Feb 2022)
- Appointed representative dealing with clients for which they require qualification (2 Feb 2022 to 7 Dec 2022)
Stonebridge Mortgage Solutions Ltd (no longer approved here)
FRN 454811
- Appointed representative dealing with clients for which they require qualification (10 Jan 2023 to 1 Jan 2024)
Openwork Limited (no longer approved here)
FRN 408285
- Appointed representative dealing with clients for which they require qualification (23 Aug 2021 to 27 Dec 2021)

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.