Sandra Gemmill

Watch for changes

Where they hold approval

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

G & S INVESTMENT & MORTGAGES LIMITED (no longer approved here)
FRN 516222
- (14)SMF3 Executive Director (9 Dec 2019 to 7 May 2026)
- (15)CF1 Director (4 Aug 2010 to 8 Dec 2019)

Updates to this individual's record on the FCA register.

1 day ago
controlled function removed: SMF3 Executive Director at G & S INVESTMENT & MORTGAGES LIMITED
1 day ago
controlled function added: (14)SMF3 Executive Director at G & S INVESTMENT & MORTGAGES LIMITED
1 day ago
controlled function added: (15)CF1 Director at G & S INVESTMENT & MORTGAGES LIMITED

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.