Become an Appointed Representative of Ever North
Trade under our FCA authorisation. Keep your independence. Grow your business.
What is an Appointed Representative?
An Appointed Representative (AR) is a firm or individual that carries on FCA-regulated activity under the regulatory umbrella of an FCA-authorised principal firm — in this case, Ever North Limited (FCA Ref: 800196).
As an AR, you do not need your own direct FCA authorisation. Instead, you operate under Ever North's permission set, which covers mortgage mediation, equity release and protection insurance. Ever North takes regulatory responsibility for your activities and ensures you meet FCA standards through compliance oversight and training.
This model is well established in the UK financial services industry. It allows experienced mortgage advisers and smaller firms to operate with full regulatory cover — without the cost and administrative burden of maintaining their own direct FCA authorisation.
Key regulatory point
Under FCA rules, Ever North as principal firm is responsible for ensuring that its ARs comply with FCA requirements. All ARs are listed on the FCA Register under Ever North's entry.
What's included in your AR package
Everything you need to operate as a compliant, professional mortgage adviser — in one monthly package.
FCA regulatory cover
Trade under FCA ref 800196. No need for your own direct FCA authorisation.
PI Insurance included
Professional Indemnity insurance covered under Ever North's group policy at no extra cost.
Compliance framework
Dedicated file review service, audit trails, and ongoing compliance oversight.
SMCR compliance support
SM&CR mapping, Certified Functions oversight, and conduct rules training.
FCA notification handling
Ever North submits your AR notification to the FCA on your behalf.
Mortgage Magic™ CRM
Full case management platform built for mortgage advisers.
AI mortgage sourcing
Whole-of-market AI-powered sourcing tools. Find the right product instantly.
Finance Magic Partner app
Client-facing mobile app for mortgage tracking, documents and communications.
Digital signatures & e-ID
Fully digital client onboarding with e-signature and electronic ID verification.
RegData submission support
Support with FCA RegData (formerly GABRIEL) regulatory reporting.
Lead generation
Access leads from Ever North's active introducer network. 50/50 split applies.
Marketing support
Templates, materials, and guidance to help you market your mortgage services.
Training & CPD
Ongoing training, professional development and supervision to stay FCA compliant.
Regulatory bulletins
Regular updates on FCA rule changes, Consumer Duty and mortgage regulation.
Annual compliance review
Formal annual review of your business with our compliance team.
Direct compliance access
Named compliance contact. Speak to an expert whenever you need guidance.
Pricing
One simple monthly fee. No hidden costs.
Up to 5 adviser seats
Income split: 5% on own client cases · 50/50 on Ever North-supplied leads
- FCA regulatory umbrella (ref 800196)
- PI insurance included
- Compliance framework & file review
- SMCR support & SM&CR mapping
- Mortgage Magic™ platform access
- AI-powered whole-of-market sourcing
- Client mobile app (Finance Magic Partner)
- Digital signatures & e-ID verification
- Lead generation from introducer network
- Marketing templates & materials
- Training, CPD & supervision
- Regulatory update bulletins
- Annual compliance review
- RegData submission support
- Direct compliance team access
No setup fee · 30-day rolling contract · No exit fees
Who is this for?
Sole Trader Advisers
CeMAP-qualified advisers operating independently who want regulatory cover and technology without joining a large network.
Small Mortgage Firms
Small brokerages looking for a cost-effective alternative to direct FCA authorisation with full compliance support.
New-to-Market Advisers
Recently CeMAP qualified advisers who want a structured entry into the market with supervision and support.
Transitioning Advisers
Experienced advisers moving from another network or directly authorised firm who want a better home.
Requirements
To become an AR of Ever North, you must meet the following criteria:
- CeMAP Level 3 qualification (or equivalent FCA-recognised qualification)
- Clean regulatory record — no upheld FCA complaints, no regulatory sanctions
- Valid criminal record check (enhanced DBS certificate)
- Business plan and client acquisition strategy
- Commitment to Ever North's compliance standards and code of conduct
- PI insurance requirements met through Ever North's group policy (no standalone policy required)
Online Onboarding — Step by Step
Our fully digital process makes it simple to go from enquiry to active AR.
Expression of Interest
Complete the online form with your personal details, qualifications, and business overview.
Takes approximately 5 minutes. No commitment at this stage.
Document Submission
Upload your CV, CeMAP certificate, proof of ID, DBS certificate, two professional references, and business plan outline.
Secure online portal. All documents encrypted in transit and at rest.
Due Diligence
Ever North reviews your application, checks the FCA Individual Register, and conducts background verification.
Typical turnaround: 3–5 business days from complete application submission.
AR Agreement
Digitally sign your Appointed Representative agreement and compliance handbook. FCA notification submitted by Ever North.
Digital signatures accepted. FCA typically processes AR notifications within 1 business day.
System Access & Go Live
Receive login credentials for Mortgage Magic™, compliance tools, and lead portal. Start trading under FCA ref 800196.
Welcome pack, compliance handbook, and dedicated onboarding call included.
Frequently Asked Questions
Do I need my own FCA authorisation?
No. As an AR of Ever North, you trade under our FCA reference (800196). You do not need your own direct FCA authorisation. Ever North is responsible for your regulated activities as your principal firm.
How long does onboarding take?
Typically 2–3 weeks from submission of a complete application pack. The majority of this time is the due diligence and FCA notification process. Incomplete applications take longer, so we recommend having all documents ready before applying.
Can I keep my own brand?
Yes. You can trade under your own business name as long as you disclose your AR status and Ever North's details in all client-facing communications, as required by FCA rules.
What products can I advise on?
Under Ever North's regulatory umbrella you can advise on residential mortgages, buy-to-let mortgages, second charge loans, equity release (including lifetime mortgages), and protection insurance.
Is PI insurance really included?
Yes. Your professional indemnity insurance is covered under Ever North's group PI policy while you are an active AR. This is a significant cost saving versus sourcing your own standalone PI policy.
What compliance support do I get?
You get a named compliance officer contact, a file review service, SMCR support, regulatory update bulletins, and a formal annual compliance review. Our compliance team is available to answer queries on any regulated activity.
How are leads provided?
Ever North operates an active introducer network of estate agents, solicitors, accountants and other professionals. Leads are allocated to available ARs based on location and capacity. These are shared on a 50/50 income split.
What is the income split?
5% of procuration fees on cases you generate from your own clients (to cover Ever North's regulatory overhead). On Ever North-supplied leads, a 50/50 split applies. There are no other deductions or charges.
Can I terminate the agreement?
Yes. 30-day rolling contract with no exit fees. Simply provide 30 days' written notice. We will manage the FCA de-notification process on your behalf.
What technology do I get access to?
Full Mortgage Magic™ platform including CRM, AI-powered whole-of-market sourcing, compliance automation tools, client-facing Finance Magic Partner app, and digital signature and e-ID verification tools.
Ready to trade with confidence?
Start your AR application today. Onboard fully online in as little as 2 weeks.
Begin ApplicationOr call us on 0333 888 0238