BOWER RETIREMENT LIMITED

• Principal Place of Business

  Ongar Business Centre

  The Gables

  Fyfield Road

  Ongar

  Essex

  CM5 0GA

  UNITED KINGDOM

  Phone

  +442038176050

  Web

  https://www.bowerhomefinance.co.uk

• Complaints Contact

  Ongar Business Centre

  The Gables

  Fyfield Road

  ONGAR

  ESSEX

  CM5 0GA

  UNITED KINGDOM

  Phone

  +442038176050

• Buy-to-Let Mortgage Advice

• Buy-to-Let Mortgage Arranging

• P2P Lending Advice

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance)

• Pension Transfer Advice

  For Professional, Retail (Investment), Life Policy, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Stakeholder pension scheme, Unit

  Show 2 limitations Hide limitations

  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
  • · This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from pension policies with a Guaranteed Annuity Rate.

• Equity Release Advice

  For Customer, Home reversion plans

• Investment Advice (no pensions)

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

  Show 1 limitation Hide limitations

  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Mortgage Advice

  For Customer, Regulated mortgage contract

• Authorised to Operate

  Show 1 limitation Hide limitations

  • · The firm can only agree to carry on the regulated activities specified in this Notice.

• Equity Release Arranging

  For Customer, Home reversion plans

• Arranges Investments

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

  Show 1 limitation Hide limitations

  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Mortgage Arranging

  For Customer, Regulated mortgage contract

• Buy-to-Let Start Date

• Buy-to-Let Status

• Credit Brokering

• Debt Advice

  Show 1 limitation Hide limitations

  • · Limited to debt counselling excluding the administration of debt management plans. In this limitation debt management plans are defined as: "a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders."

• Equity Release Setup

  For Customer, Home reversion plans

• Mortgage Setup

  For Customer, Regulated mortgage contract

• Investment Setup

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

  Show 1 limitation Hide limitations

  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Andrea Michelle Rozario

  IRN AMR01124

  • CF29 Significant management (24 Feb 2015 to 2 Apr 2019)
• Andrew Barnes

  IRN AXB00078

  • [FCA CF] Functions requiring qualifications (17 Aug 2021 to 29 Sep 2023)
• Andrew Charles Ferrett

  IRN AXF00271

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • [FCA CF] Functions requiring qualifications (since 7 May 2025)
• Andrew O'Connor

  IRN AXO00057

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • [FCA CF] Functions requiring qualifications (since 25 Sep 2023)
• Andrew Stephen Card

  IRN ASC01055

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • [FCA CF] Functions requiring qualifications (since 9 Dec 2019)
• Anindita Dey

  IRN AXD00787

  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • [FCA CF] Functions requiring qualifications (since 7 Jan 2026)
  • [FCA CF] Client dealing (since 7 Jan 2026)
• Anthony Charles Harris

  IRN ACH00023

  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 1 Feb 2021)
• Antony Savvas Michael

  IRN AXM01455

  • [FCA CF] Functions requiring qualifications (19 Dec 2022 to 23 May 2023)
• Barry Michael Smart

  IRN BMS00011

  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 28 Mar 2024)
• Ben Louis Culora

  IRN BXC01752

  • [FCA CF] Functions requiring qualifications (6 Nov 2024 to 22 Oct 2025)
  • [FCA CF] Client dealing (6 Nov 2024 to 22 Oct 2025)

• Bower Pension Services (no longer appointed)

  FRN 608338 · Appointed 7 Oct 2013 · Until 20 Apr 2015

No changes recorded yet.