Michael McLaughlin

Reference number: 994941

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Appointed representative

Michael McLaughlin 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

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.
  • Michael McLaughlin (FRN 994941) is an AR of First Complete Limited (FRN 435779). When you use Michael McLaughlin's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Michael McLaughlin, 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

    07980 263131

  • Address

    2 Parklands, Newcastle, Newry, Mourne and Down, BT33 0GS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07980 263131 is
  • Who else gives the postcode BT33 0GS
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Other names (1)

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

  • The Mortgage Mechanics 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.

Key dates in its history

Michael McLaughlin’s history from the FCA register and Companies House, newest first.

2023

17 April 2023

  • Became an appointed representative
  • Began trading as "The Mortgage Mechanics"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Michael McLaughlin

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

In Newcastle

3C Financial Services LimitedNewcastleAppointed representativeDonald NicelyNewcastleAppointed representativeEugene JenningsNewcastleAppointed representativeHigh Bridge Mortgages LimitedNewcastleAppointed representativeMortgages 4 U (NE) LtdNewcastleAppointed representativeMy Simple Mortgage LtdNewcastleAppointed 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 Michael McLaughlin

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 2 events in its history

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Frequently asked questions about this firm

Is Michael McLaughlin FCA authorised?
Michael McLaughlin (FRN 994941) 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 Michael McLaughlin?
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. Michael McLaughlin (FRN 994941) is an AR of First Complete Limited (FRN 435779). When you use Michael McLaughlin's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Michael McLaughlin, 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 Michael McLaughlin’s phone number?
The FCA register lists the phone number 07980 263131 for Michael McLaughlin. If you were given different contact details, use these to check with the firm before going any further.
Is Michael McLaughlin a scam or clone?
Michael McLaughlin 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 Michael McLaughlin?
Protection works through First Complete Limited, the principal firm responsible for Michael McLaughlin's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Michael McLaughlin use any other names?
It trades as The Mortgage Mechanics.

Sources and links

The full report on Michael McLaughlin

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