Ingrid Cairns & Associates Limited

Reference number: 981225

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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

BROKERSYNC LTD Reference number: 1031981 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.
  • Ingrid Cairns & Associates Limited (FRN 981225) is an AR of BROKERSYNC LTD (FRN 1031981). When you use Ingrid Cairns & Associates's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ingrid Cairns & Associates, 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 ingridcairnsmortgages.co.uk first appeared online, and whether it can receive email
  • What kind of line 07727 263766 is
  • Who else gives the postcode G2 1RW
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Other names (4)

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

  • Ingrid Cairns Former name
  • I C Mortgage Solutions Former trading name
  • Ingrid Cairns and Associates Former trading name
  • Ingrid Cairns and Associates Independent Mortgage and Financial Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Brokersync Ltd, 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
SC761064
Company status
Active
Company type
Private limited company
Incorporated
6 March 2023 (3 years old)
Registered office
2 West Regent Street, Glasgow, G2 1RW, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Ingrid Cairns Director Jun 1970 6 Mar 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

£20.4k

No earlier figure to compare

Cash at bank

£5,846

No earlier figure to compare

Employees (average)

2

+100% from 1

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company SC761064. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Ingrid Cairns & Associates’s history from the FCA register and Companies House, newest first.

Key events (4) All events (13)

2023

14 June 2023

  • Changed its registered name from "Ingrid Cairns"

FCA register

6 March 2023

  • Incorporated at Companies House
  • Ingrid Cairns took control (75–100% of shares)

Companies House

2022

18 August 2022

  • Became an appointed representative

FCA register

In the full report: all 13 events

  • All 13 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Ingrid Cairns & Associates

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

In the Glasgow (G) postcode area

Acumen Financial Services LtdGlasgowAppointed representativeAthena Mortgages LtdGlasgowAppointed representativeBera Financial Services LimitedGlasgowAppointed representativeBlossom Mortgage Services LtdGlasgowAppointed representativeBlue Fish Mortgage Solutions LimitedGlasgowAppointed representativeCleanSlate Financial LimitedAppointed 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 Ingrid Cairns & Associates

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
  • 3 background checks on its contact details
  • All 13 events in its history

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Frequently asked questions about this firm

Is Ingrid Cairns & Associates Limited FCA authorised?
Ingrid Cairns & Associates Limited (FRN 981225) 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 Ingrid Cairns & Associates?
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. Ingrid Cairns & Associates Limited (FRN 981225) is an AR of BROKERSYNC LTD (FRN 1031981). When you use Ingrid Cairns & Associates's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ingrid Cairns & Associates, 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 Ingrid Cairns & Associates’ phone number and website?
The FCA register lists the phone number 07727 263766 and the website ingridcairnsmortgages.co.uk for Ingrid Cairns & Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Ingrid Cairns & Associates a scam or clone?
Ingrid Cairns & Associates 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 Ingrid Cairns & Associates?
Protection works through Brokersync Ltd, the principal firm responsible for Ingrid Cairns & Associates's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ingrid Cairns & Associates?
Companies House lists one person with significant control of Ingrid Cairns & Associates: Mrs Ingrid Cairns (75–100% of shares).
Who runs Ingrid Cairns & Associates?
Companies House lists one director of Ingrid Cairns & Associates: Ingrid Cairns.
How long has Ingrid Cairns & Associates been in business?
The company was formed on 6 March 2023.
What do Ingrid Cairns & Associates’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £20.4k (no earlier figure to compare) and cash at bank of £5,846 (no earlier figure to compare).
Does Ingrid Cairns & Associates use any other names?
It has previously used 4 other names, including Ingrid Cairns, I C Mortgage Solutions and Ingrid Cairns and Associates.

Sources and links

The full report on Ingrid Cairns & Associates Limited

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