High Life Highland: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 5 years
Protected through the principal
No FCA actions
Active company since 2011

Responsible principal firm

SME HCI Limited Reference number: 626422 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
High Life Highland (FRN 958313) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not High Life Highland.
Example: if High Life Highland refers you to a financial adviser, the advice should come from the principal firm, not from High Life Highland itself.
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.

Website

highlifehighland.com (opens in a new tab)
Phone number

07557 480886
Address

13 Ardross Street, Inverness, Inverness-shire, IV3 5NS, United Kingdom

In the full report: 3 background checks

When highlifehighland.com first appeared online, and whether it can receive email
What kind of line 07557 480886 is
Who else gives the postcode IV3 5NS

FCA permissions and consumer protection

Protection through the principal firm
Protection works through SME HCI 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: SC407011 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 8 September 2011 (15 years old)
Registered office: High Life Highland Highland Archive Centre, Bught Road, Inverness, IV3 5SS, Scotland
Nature of business: Sports and recreation education (SIC 85510)
Cultural education (SIC 85520)
Library activities (SIC 91011)
Operation of sports facilities (SIC 93110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Tracy Anne Ligema	Director	Jun 1966	22 Mar 2017	None
Nicholas Goldie Finnigan	Director	May 1958	26 Mar 2021	1 other company
David Farquhar Finlayson	Director	Jan 1953	26 Mar 2021	4 other companies
Isabelle Mary Campbell	Director	Jun 1947	9 Jun 2022	4 other companies
Marianne Hunter Hutchison	Director	Apr 1964	9 Jun 2022	5 other companies
Andrew John Jarvie	Director	May 1992	9 Jun 2022	4 other companies
Roderick Keith Henry	Director	Jun 1966	14 Mar 2023	1 other company
Andrew Macrae Millar	Director	Apr 1950	3 Oct 2023	7 other companies
Allison Vass	Director	May 1981	19 Mar 2025	None
Michael Fraser Boylan	Director	Sep 1978	19 Mar 2025	1 other company
Donella Faye Steel	Director	Apr 1968	17 Sep 2026	4 other companies
Valerie Graham	Director	Apr 1975	17 Sep 2026	2 other companies
Stewart David Fraser	Secretary	Not published	1 Oct 2017	–

Other companies run by these 12 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 30
closed down: 11
are FCA-registered: 2

In the full report: all 30 companies, named

What each company does, and whether it is still trading
Which of these 12 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register
The 1 company these 12 directors run together
All 45 people who have ever been directors, with their dates

Key dates in its history

High Life Highland’s history from the FCA register and Companies House, newest first.

Key events (3) All events (93)

2021

12 September 2021

Became an introducer appointed representative

FCA register

2016

6 April 2016

Highland Council took control (75–100% of votes)

Companies House

2011

8 September 2011

Incorporated at Companies House

Companies House

In the full report: all 93 events

All 93 events in its history (3 shown here)
Every director appointment and resignation: 90

Firms connected to High Life Highland

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

connected firm: 1
share a director: 1
past link: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Get the full report on High Life Highland

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

30 other companies its directors have run, named
3 background checks on its contact details
All 93 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is High Life Highland FCA authorised?

High Life Highland (FRN 958313) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for High Life Highland?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. High Life Highland (FRN 958313) introduces customers to SME HCI Limited (FRN 626422). Any regulated advice or arranging is done by the principal, not High Life Highland. Example: if High Life Highland refers you to a financial adviser, the advice should come from the principal firm, not from High Life Highland itself. 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 High Life Highland’s phone number and website?

The FCA register lists the phone number 07557 480886 and the website highlifehighland.com for High Life Highland. If you were given different contact details, use these to check with the firm before going any further.

Is High Life Highland a scam or clone?

High Life Highland 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 High Life Highland?

Protection works through SME HCI Limited, the principal firm responsible for High Life Highland's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns High Life Highland?

High Life Highland is owned by Highland Council, which holds 75–100% of votes, can appoint and remove the board and significant influence or control, since 6 April 2016.

Who runs High Life Highland?

Companies House lists 12 directors of High Life Highland: Tracy Anne Ligema, Nicholas Goldie Finnigan, David Farquhar Finlayson, Isabelle Mary Campbell, Marianne Hunter Hutchison, Andrew John Jarvie and 6 more.

How long has High Life Highland been in business?

The company was formed on 8 September 2011.