Phil Saunders

Watch for changes

Where they hold approval

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

Mortgage Salad Limited
FRN 566220
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- [FCA CF] Functions requiring qualifications (since 21 Mar 2025)
The Right Mortgage Limited (no longer approved here)
FRN 649443
- Appointed representative dealing with clients for which they require qualification (18 Feb 2021 to 25 Mar 2025)
Key Retirement Solutions Limited (no longer approved here)
FRN 224987
- Appointed representative dealing with clients for which they require qualification (6 Jan 2020 to 19 Feb 2021)
- [FCA CF] Functions requiring qualifications (9 Dec 2019 to 5 Jan 2020)

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.