The Mirai Group Limited: FCA regulated?

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.

Appointed for 6 years
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 January 2026
On its latest accounts it owed £11.8k more than it owned

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.
The Mirai Group Limited (FRN 925910) is an AR of First Complete Limited (FRN 435779). When you use The Mirai Group's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from The Mirai Group, 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

07850 549289
Address

Phoenix House Ground Floor Left, Phoenix Business Park, Paisley, Renfrewshire, PA1 2BH, United Kingdom

In the full report: 2 background checks

What kind of line 07850 549289 is, and the other firm that gives it
Who else gives the postcode PA1 2BH

Other names (5)

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

Mirai Financial Trading name: A name it trades under now.
Mirai Mortgages Trading name: A name it trades under now.
The Mirai Group Ltd Former name: A name it was registered under before.
Kirkland Mortgages Former trading name: A name it used to trade under.
On The Move Mortgages Former trading name: A name it used to trade under.

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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: SC651712 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 January 2020 (6 years old)
Registered office: Phoenix House Ground Floor Left, Phoenix Business Park, Paisley, Renfrewshire, PA1 2BH, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Conor Cameron Macrae	Director	Nov 1991	15 Jan 2020	3 other companies

Other companies run by its director

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: 3
closed down: 1
still active: 2

In the full report: all 3 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

−£11.8k

Up £65.6k from −£77.4k

Employees (average)

0

Same as 0

Owed within a year

£46.1k

−41% from £78.3k

Net assets are negative: on its last balance sheet the company owed £11.8k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2021 to 2026
The chart, over every year
Every filed figure, year by year

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 SC651712. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

The Mirai Group’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2025

16 June 2025

Changed its registered name from "The Mirai Group Ltd"

FCA register

2022

1 March 2022

Scott McKellar became a part-owner (25–50% of shares)

Companies House

2020

11 May 2020

Became an appointed representative

FCA register

15 January 2020

Incorporated at Companies House
Conor Cameron Macrae gained significant control

Companies House

In the full report: all 14 events

All 14 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to The Mirai Group

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

connected firm: 1
share its phone number: 1
share its postcode: 1

In the full report: the connected firm, named

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

Firms like The Mirai Group

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

In Paisley

CCM Financial LtdPaisleyAppointed representative Colin Steven RoePaisleyAppointed representative Darren GoldPaisleyAppointed representative LCA Mortgages LtdPaisleyAppointed representative Mohan SharmaPaisleyAppointed representative Mortgagewise (Scotland) LtdPaisleyAppointed 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 The Mirai Group

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

3 other companies its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 14 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is The Mirai Group Limited FCA authorised?

The Mirai Group Limited (FRN 925910) 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 The Mirai Group?

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. The Mirai Group Limited (FRN 925910) is an AR of First Complete Limited (FRN 435779). When you use The Mirai Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Mirai Group, 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 The Mirai Group’s phone number?

The FCA register lists the phone number 07850 549289 for The Mirai Group. 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 The Mirai Group a scam or clone?

The Mirai Group 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 The Mirai Group?

Protection works through First Complete Limited, the principal firm responsible for The Mirai Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns The Mirai Group?

Companies House lists 2 people with significant control of The Mirai Group: Mr Scott McKellar (25–50% of shares) and Mr Conor Cameron Macrae (significant influence or control).

Who runs The Mirai Group?

Companies House lists one director of The Mirai Group: Conor Cameron Macrae.

How long has The Mirai Group been in business?

The company was formed on 15 January 2020.

What do The Mirai Group’s latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of −£11.8k (up £65.6k from −£77.4k).

Does The Mirai Group use any other names?

It trades as Mirai Financial and Mirai Mortgages. It has previously used 3 other names: The Mirai Group Ltd, Kirkland Mortgages and On The Move Mortgages.