CMC Advice Ltd

Reference number: 1005067

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • CMC Advice Ltd (FRN 1005067) is an AR of First Complete Limited (FRN 435779). When you use CMC Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CMC Advice, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    07938 085507

  • Address

    7 Avonlea Crescent, Craigavon, Northern Ireland, BT64 1AU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07938 085507 is
  • Who else gives the postcode BT64 1AU
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Caroline McCavanagh Former name
  • CCM Advice Former trading name
  • Mortgage, Health & Protect Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
NI739329
Company status
Active
Company type
Private limited company
Incorporated
30 March 2026 (less than a year old)
Registered office
7 Avonlea Crescent, Craigavon, Co. Armagh, BT64 1AU, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Caroline Mccavanagh Director Dec 1979 30 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

CMC Advice’s history from the FCA register and Companies House, newest first.

Key events (4) All events (10)

2026

1 May 2026

  • Changed its registered name from "Caroline McCavanagh"

FCA register

30 March 2026

  • Incorporated at Companies House
  • Caroline McCavanagh took control (75–100% of shares)

Companies House

2023

4 November 2023

  • Became an appointed representative

FCA register

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like CMC Advice

Other firms of the same type (mortgage adviser or broker), nearest first.

In Craigavon

Alison HughesCraigavonAppointed representativeAshley FarrellCraigavonAppointed representativeBrendan HeadleyCraigavonAppointed representativeDMC Financial Services (NI) LimitedCraigavonAppointed representativeElite Mortgages N.I. LimitedCraigavonAppointed representativeFirst Stop Mortgages & Protection NI LimitedCraigavonAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on CMC Advice

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is CMC Advice Ltd FCA authorised?
CMC Advice Ltd (FRN 1005067) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for CMC Advice?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. CMC Advice Ltd (FRN 1005067) is an AR of First Complete Limited (FRN 435779). When you use CMC Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CMC Advice, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is CMC Advice’s phone number?
The FCA register lists the phone number 07938 085507 for CMC Advice. If you were given different contact details, use these to check with the firm before going any further.
Is CMC Advice a scam or clone?
CMC Advice is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with CMC Advice?
Protection works through First Complete Limited, the principal firm responsible for CMC Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CMC Advice?
Companies House lists one person with significant control of CMC Advice: Mrs Caroline McCavanagh (75–100% of shares).
Who runs CMC Advice?
Companies House lists one director of CMC Advice: Caroline McCavanagh.
How long has CMC Advice been in business?
The company was formed on 30 March 2026.
Does CMC Advice use any other names?
It has previously used 3 other names: Caroline McCavanagh, CCM Advice and Mortgage, Health & Protect.

Sources and links

The full report on CMC Advice Ltd

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