Mark Andrew Higgins: FCA regulated?

Appointed representative

Mark Andrew Higgins does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Appointed for 7 years
Protected through the principal
No FCA actions

Responsible principal firm

Cornerstone Finance Group Ltd Reference number: 767202 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.
Mark Andrew Higgins (FRN 834273) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Mark Andrew Higgins's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Mark Andrew Higgins, 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

07977 551367
Address

Suite 21, Atrium Business Centre, North Caldeen Road, Coatbridge, Lanarkshire, ML5 4EF, United Kingdom

In the full report: 2 background checks

What kind of line 07977 551367 is
Who else gives the postcode ML5 4EF

Other names (3)

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

Mark Higgins Mortgages Trading name: A name it trades under now.
Mark Higgins Former name: A name it was registered under before.
Birchwood Financial Solutions Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Cornerstone Finance Group 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.

Key dates in its history

Mark Andrew Higgins’s history from the FCA register and Companies House, newest first.

Key events (2) All events (5)

2026

2 June 2026

Changed its registered name from "Mark Higgins"

FCA register

2019

21 February 2019

Became an appointed representative

FCA register

In the full report: all 5 events

All 5 events in its history (2 shown here)

Firms connected to Mark Andrew Higgins

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Mark Andrew Higgins

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

In Coatbridge

Lincoln Consulting LtdCoatbridgeAppointed representative Hc2m Independent Mortgage Shop Ltd.CoatbridgeAuthorised Mack Financial Services LimitedCoatbridgeAuthorised

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 Mark Andrew Higgins

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

2 background checks on its contact details
All 5 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Mark Andrew Higgins FCA authorised?

Mark Andrew Higgins (FRN 834273) 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 Mark Andrew Higgins?

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. Mark Andrew Higgins (FRN 834273) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Mark Andrew Higgins's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Mark Andrew Higgins, 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 Mark Andrew Higgins’ phone number?

The FCA register lists the phone number 07977 551367 for Mark Andrew Higgins. If you were given different contact details, use these to check with the firm before going any further.

Is Mark Andrew Higgins a scam or clone?

Mark Andrew Higgins 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 Mark Andrew Higgins?

Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Mark Andrew Higgins's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Does Mark Andrew Higgins use any other names?

It trades as Mark Higgins Mortgages. It has previously used 2 other names: Mark Higgins and Birchwood Financial Solutions.