FCA Authorised Principal Firm · Ref: 800196 · Adviser & AR places now available · 0333 888 0238
FCA Authorised · Ref: 800196 · Est. 2016

About Ever North Limited

We exist to give UK mortgage and protection advisers the regulatory foundation, technology and support to build independent, profitable businesses — without compromise.

Our Story

Built by advisers, for advisers

Ever North was built by financial services professionals who understood, first-hand, the challenges facing UK mortgage advisers: excessive income splits at large networks, compliance burdens with no real support, outdated technology, and zero leads. We built the firm we wished had existed when we started our own careers.

Today, Ever North Limited operates as an FCA-authorised principal firm with a directly authorised AR network, our own Finance Magic™ technology platform, and a compliance framework designed by one of the UK's most experienced compliance professionals. We are independent, adviser-focused, and built for the long term.

Finance Magic™ is a registered trademark and trading style of Ever North Limited, representing our proprietary technology platform — including the UK's first real-time mortgage mobile application, Finance Magic Partner.

FCA Authorised
Equity Release Council
Finance Magic™
SMCR Compliant

Company Facts

Company
Ever North Limited
Company No
10216011
Incorporated
6 June 2016
FCA Authorised
29 March 2018
FCA Reference
800196
Member
Equity Release Council

Finance Magic™ is a registered trademark and trading style of Ever North Limited. Company No: 10216011. Registered in England & Wales.

Leadership

The team behind Ever North

Led by experienced financial services professionals with a combined 35+ years in regulated advice, compliance and network management.

T

Tanjir Sugar

Founder & Director

FCA Registered
Individual
Specialisms
Specialist Mortgages
Compliance & Regulation
Equity Release
Specialist Lending

Tanjir Sugar is an FCA-registered individual and independent financial adviser with over 10 years in regulated financial services. He founded Ever North Limited on 6 June 2016, and led the firm through FCA authorisation granted on 29 March 2018. His specialist focus areas span complex income mortgages, adverse credit, high-value residential, bridging finance, equity release, and commercial lending. Tanjir has been instrumental in developing the Finance Magic™ technology platform and building the Ever North AR network — driven by a commitment to making high-quality regulated advice genuinely accessible to advisers at every stage of their career.

“We built Ever North on a simple principle — if you back talented advisers with the right regulation, technology and support, they will build exceptional businesses. Our job is to remove every barrier standing between a great adviser and a great career.”

— Tanjir Sugar, Founder & Director
10+ Years ExperienceIFA QualifiedFCA Registered Individual
D

David Potton

Compliance Director

25+ Years
Experience
Specialisms
FCA Compliance
SMCR & Consumer Duty
T&C Supervision
AR Oversight

David Potton brings over 25 years of financial services compliance experience to Ever North. A fully qualified IFA with comprehensive qualifications across mortgages, protection, investments and pensions, David is an expert in FCA regulatory frameworks, Consumer Duty, SMCR (Senior Managers and Certification Regime), AR oversight and supervision. He designed and manages Ever North's complete compliance framework, Training & Competency scheme, file review process and annual compliance programme — bringing institutional-grade expertise to an accessible, adviser-focused network.

“Compliance done right is not a burden — it's what gives advisers and their clients confidence. At Ever North, our compliance framework is designed to protect advisers and their clients equally, while making the day-to-day experience as smooth as possible.”

— David Potton, Compliance Director
25+ Years ExperienceFully Qualified IFASMCR Expert
What We Stand For

Our values

Independence First

We believe advisers should build their own business, their own brand, their own client relationships. We provide the structure; you provide the ambition.

Compliance Without Compromise

David Potton and the compliance team bring institutional-grade oversight to an accessible network. Compliance is not optional — it is the foundation of everything.

Technology-Led

Finance Magic™ is our own platform, built for the realities of modern mortgage and protection advice. We invest in technology so our advisers don't have to.

People Before Numbers

Every adviser who joins Ever North gets real support from real people. We are a network built on relationships, not just regulatory contracts.

Since 2016

Our journey

2016

Ever North Limited incorporated

Founded by Tanjir Sugar on 6 June 2016 with a vision to create an adviser-first principal firm — one that prioritises genuine support over income extraction.

2018

FCA authorisation granted

FCA authorisation confirmed on 29 March 2018. Ever North begins operating as a directly authorised principal firm under FCA Reference 800196.

2019

Finance Magic™ brand established

Development of the UK's first real-time mortgage mobile application begins. Finance Magic™ is registered as a trademark and trading style of Ever North Limited.

2021

Finance Magic Partner app launches

The first mobile app in the UK to process real-time mortgage applications goes live, available on iOS and Android. A milestone in UK mortgage technology.

2022

Equity Release Council membership

Ever North joins the Equity Release Council, cementing its commitment to later life lending standards and best practice for clients approaching retirement.

2024

Compliance framework enhanced

David Potton joins as Compliance Director, bringing 25+ years of institutional compliance expertise and elevating the T&C scheme, file review and annual compliance programme.

2026

Digital-first onboarding

Full online AR and adviser onboarding launched. Applications to live trading completed in as little as 2 weeks — fully digital, no unnecessary delays.

Regulated. Recognised. Trusted.

Ever North operates to the highest standards of financial services regulation.

FCA Authorised

FCA Reference: 800196
Authorised since 29 March 2018

Equity Release Council

Full Member
Later life lending standards

ICO Registered

GDPR Compliant
UK Data Protection Act 2018

Finance Magic™

Technology Platform
Registered trademark of Ever North Limited

Interested in joining our team of advisers?

Mortgage and protection advisers, and firms seeking an AR proposition — we have a place for you at Ever North.