Thomas Garratt

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Where they hold approval

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

B2B Loans & Mortgages Limited
FRN 671163
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 21 Jul 2025)
HL Partnership Limited (no longer approved here)
FRN 303397
- CF1 Director (AR) (18 Mar 2015 to 27 Dec 2017)
Omega Financial Services Ltd (no longer approved here)
FRN 192994
- (5)Employed By (11 Mar 2015 to 27 Dec 2017)

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.