The ER Network Ltd
Reference number: 447808
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Appointed representative
This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.
The FCA register does not name a principal for this 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 ER Network Ltd (FRN 447808) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
- Example: if you take financial advice from The ER Network, 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.
Identity
Check their details
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.
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Verified website
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Verified phone number
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Verified address
Suite 1A, Centrum Building, 38 Queen Street, Glasgow, Lanarkshire, G1 3DX, United Kingdom
Also trades as
- Pivotal Financial Planning
Company details
From the company's Companies House record.
- Company name
- THE ER NETWORK LIMITED
- Company number
- SC292243
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 October 2005 (20 years old)
- Registered office
- Pavilion 1 Finnieston Business Park, Minerva Way, Glasgow, G3 8AU, Scotland
- Nature of business
-
- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Eddie Chisholm | Director | Sep 1963 | 26 Oct 2005 |
| Stuart Carmichael | Director | Jan 1986 | 2 Jun 2026 |
| Rhona Galbraith | Secretary | Not published | 26 Oct 2005 |
Activities and protection
What they can do, and how you are protected
- Protection through the principal firmProtection works through 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
FCA actions and complaints
No FCA disciplinary action, and no complaints recorded with the Ombudsman.
Names it no longer trades under
This firm has retired 84 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired names
- Abbey Financial Associates
- ABC Mortgages
- Alba Mortgage Solutions
- Angus Mortgage Services
- Anison Mortgage Services
- APM Mortgage Link
- Armstrongs
- Autograph Financial Protection
- Axis Mortgage Consultants
- Bespoke Protection & Mortgages
- Best For Advice
- BM Financial
- Bright Mortgages & Finance
- Bureau of Independent Mortgage Advice
- Caledonian Mortgage Solutions
- Carnegie Financial Solutions
- Coulson Cave & Lindsey
- DC Mortgages
- D M Financial Services
- DSE Financial Services
- EMD Financial Solutions
- Encore Financial
- Equity Release Scotland
- Family Asset Financial Services
- Financial Solutions
- First Choice Mortgages
- Five River Finance
- GA Mortgages
- GHS Financial Solutions
- GHS Mortgages
- GJ Financial Services
- Gower Mortgages
- GT Financial
- Guardian Property
- Hamilton Mortgage Centre
- Heritage Mortgage Advice
- Holmes 4 Mortgages
- Homefinders Financial Services
- Home Mortgages
- Hunter Mortgages
- Independent Mortgage Planning
- Inverclyde Financial Management
- JD Mortgages
- Jim Maltman Associates
- JL Mortgages
- JMC Financial Services
- JW Mortgage Services
- Kelly Insurance & Finance
- Key 2 Mortgages
- KJA Mortgages
- Loans 4 Homes
- Mc Daid Mortgages
- Mortgages4forces
- Nicholas E Harrison
- Options & Choices Financial Services
- Paisley Mortgage Centre
- Park Lane
- PDS Mortgage Services
- Pension Advice London
- Pivotal Wills
- Platinum Mortgages
- Premier Choice Finance
- Premier Choice Mortgages
- Prospect Scotland
- RG Financial
- RH Mortgages
- RML Financial Management
- Robert Harrison Mortgage Matters
- Robert Harrison Mortgages
- Robert W Mullan ( Mortgages )
- Safehome Mortgages
- Simple Wealth Management
- SJS Financial Solutions
- Stewart Mortgage Solutions
- Swift Mortgage Services
- Tailored Finance
- Target Financial Planning
- The Mortgage Cafe
- The Mortgage Package
- The Mortgage Surgery
- The Park Financial Services
- Thinking Mortgages
- Tip Top Mortgages
- UK Mortgage Solutions
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Common questions
Frequently asked questions
Is The ER Network Ltd FCA authorised?
The ER Network Ltd (FRN 447808) 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 ER Network?
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 ER Network Ltd (FRN 447808) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from The ER Network, 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.
Is my money safe with The ER Network?
Protection works through the principal firm responsible for The ER Network's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The ER Network a scam or clone?
The ER Network is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is The ER Network's Firm Reference Number (FRN)?
The ER Network's FRN is 447808. You can verify it on the FCA register.