Equity Release Scotland

Reference number: 923455

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Appointed representative

Equity Release Scotland does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

Britannia Financial (UK) Limited Reference number: 776344 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.
  • Equity Release Scotland (FRN 923455) is an AR of Britannia Financial (UK) Limited (FRN 776344). When you use Equity Release Scotland's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Equity Release Scotland, 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.

In the full report: 3 background checks

  • When equityrelease.scot first appeared online, and whether it can receive email
  • What kind of line 01764 656055 is, and the other firm that gives it
  • Who else gives the postcode EH54 6TN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Britannia Financial (UK) 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.

Firms connected to Equity Release Scotland

Other FCA-listed firms that share a director, phone number or address with Equity Release Scotland. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its phone number
1
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Equity Release Scotland

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

In Livingston

Ahgf LimitedLivingstonAppointed representativeVivid Financial Solutions LimitedLivingstonAppointed representativeTartan Golf International LtdLivingstonAppointed representativeDanivia LtdLivingstonAuthorisedKGS MortgagesLivingstonAuthorised

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 Equity Release Scotland

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

  • 3 background checks on its contact details
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Equity Release Scotland FCA authorised?
Equity Release Scotland (FRN 923455) 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 Equity Release Scotland?
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. Equity Release Scotland (FRN 923455) is an AR of Britannia Financial (UK) Limited (FRN 776344). When you use Equity Release Scotland's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Equity Release Scotland, 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 Equity Release Scotland’s phone number and website?
The FCA register lists the phone number 01764 656055 and the website equityrelease.scot for Equity Release Scotland. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Equity Release Scotland a scam or clone?
Equity Release Scotland 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 Equity Release Scotland?
Protection works through Britannia Financial (UK) Limited, the principal firm responsible for Equity Release Scotland's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Equity Release Scotland

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