# Ever North Mortgages Ltd

Ever North Limited is an FCA-authorised principal firm based in Rainham that operates as the backbone infrastructure for Finance Magic™, a mortgage and financial advice platform. The company serves two distinct markets: financial advisers and appointed representatives seeking a robust regulatory home, and consumers looking for mortgage, protection and financial guidance.

The business model centres on providing FCA-regulated infrastructure that allows independent advisers, sole traders and small firms to operate under Ever North's authorisation (FCA Ref: 800196) without establishing their own regulatory framework. Advisers access the proprietary Finance Magic platform, which offers AI-powered sourcing across 90+ lenders, real-time mortgage rates, digital applications and automated compliance tools. The platform handles full SMCR compliance, RegData management and digital file reviews—eliminating paperwork and administrative burden.

What distinguishes Ever North is its whole-of-market approach, covering residential mortgages, commercial finance, bridging, development finance, equity release and protection products. The company emphasises rapid digital onboarding (two weeks from application to live trading), high commission retention for appointed representatives (95% on own clients), and technology-driven compliance that operates entirely paperless.

They target ambitious advisers seeking market-leading earning potential (£100,000+ in year three) without the overhead of direct FCA authorisation, whilst simultaneously serving end consumers through the Finance Magic consumer brand at financemagic.co.uk.