Future 45 Limited

Watch for changes

Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

P2P Lending Advice

For Retail (Non-Investment Insurance)
Investment Advice (no pensions)

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Authorised to Operate
Show 1 limitation Hide limitations
- · The firm can only agree to carry on the regulated activities specified in this Notice.
Arranges Investments

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Insurance Admin

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Credit Brokering
Investment Setup

For Retail (Non-Investment Insurance), Non-investment insurance contracts

Senior staff personally approved by the FCA to hold their roles here.

. Hollard Risk Partners D1 Limited
IRN XXH01027
- CF4 Partner (8 Dec 2017 to 13 Dec 2018)
. Hollard Risk Partners D2 Limited
IRN XXH01028
- CF4 Partner (19 Feb 2007 to 7 Dec 2017)
Amina Lamouri
IRN LXA00235
- SMF16 Compliance Oversight (since 21 Aug 2025)
David Adrian Chard
IRN DXC00424
- Responsible for Insurance Distribution (since 17 Nov 2021)
- SMF3 Executive Director (since 17 Nov 2021)
GRAEME NIEMAN
IRN GXN08679
- SMF1 Chief Executive (since 18 Aug 2025)
- SMF3 Executive Director (9 Dec 2019 to 18 Aug 2025)
- CF1 Director (7 Dec 2018 to 8 Dec 2019)
Janice Anne Smith
IRN JAS01341
- SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 1 Jul 2021)
- SMF3 Executive Director (9 Dec 2019 to 1 Jul 2021)
- Responsible for Insurance Distribution (1 Oct 2018 to 1 Jul 2021)
- CF11 Money Laundering Reporting (31 Mar 2016 to 8 Dec 2019)
- Responsible for Insurance Mediation (19 Feb 2007 to 30 Sep 2018)
- CF1 Director (19 Feb 2007 to 8 Dec 2019)
- CF8 Apportionment and Oversight (19 Feb 2007 to 31 Mar 2009)
Kevin Derek Johnson
IRN KDJ01016
- CF1 Director (19 Feb 2007 to 1 May 2008)
Sanet Uys
IRN SXU00017
- SMF3 Executive Director (since 11 Mar 2026)

Smaller firms operating under this firm's FCA authorisation.

Ask 4 Leasing Limited (no longer appointed)
FRN 708077 · Appointed 14 Feb 2023 · Until 12 Dec 2023
Skyfleet Limited (no longer appointed)
FRN 417542 · Appointed 13 Feb 2023 · Until 12 Dec 2023
VAVOOM VEHICLE MANAGEMENT LIMITED (no longer appointed)
FRN 988128 · Appointed 27 Jan 2023 · Until 12 Dec 2023

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.