Lowes Financial Management Limited

• Principal Place of Business

  Saltus Financial Planning

  4500 Parkway

  Whiteley

  Fareham

  Hampshire

  PO15 7AZ

  UNITED KINGDOM

  Phone

  +4401489663700

  Web

  https://www.lowes.co.uk

• Complaints Contact

  4500 Parkway

  Whiteley

  FAREHAM

  PO15 7AZ

  UNITED KINGDOM

  Phone

  +441489663700

• P2P Lending Advice

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

• Pension Transfer Advice

  For 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

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  • · 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.

• 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, Option (excluding a commodity option and an option on a commodity future), 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

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  • · 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.

• Authorised to Operate

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

• 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, Option (excluding a commodity option and an option on a commodity future), 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

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  • · 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.

• Debt Advice

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  • · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is 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”.

• 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, Option (excluding a commodity option and an option on a commodity future), 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.

• David John Hall

  IRN DJH00138

  • CF21 Investment Adviser (7 Mar 2002 to 2 Apr 2004)
  • CF11 Money Laundering Reporting (7 Mar 2002 to 2 Apr 2004)
  • CF10 Compliance Oversight (7 Mar 2002 to 2 Apr 2004)
• David John Hardy

  IRN DJH00010

  • CF22 Investment Adviser (Trainee) (21 Apr 2004 to 9 Aug 2004)
• David Thomas Hopper

  IRN DTH00012

  • CF21 Investment Adviser (1 Dec 2001 to 10 May 2006)
• David Thomas McElhoney

  IRN DTM00010

  • CF21 Investment Adviser (21 Aug 2003 to 12 Mar 2004)
  • CF22 Investment Adviser (Trainee) (1 May 2003 to 21 Aug 2003)
• Debbie Ramm

  IRN DXR01492

  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Functions requiring qualifications (since 7 Apr 2026)
  • [FCA CF] Client dealing (since 7 Apr 2026)
  • [FCA CF] Client dealing (28 Jul 2023 to 2 Dec 2025)
  • [FCA CF] Functions requiring qualifications (28 Jul 2023 to 2 Dec 2025)
• Donald Scott Gardner

  IRN DSG01030

  • [FCA CF] Client dealing (21 Jan 2022 to 26 Oct 2023)
  • [FCA CF] Functions requiring qualifications (21 Jan 2022 to 26 Oct 2023)
  • CF30 Customer (21 Jul 2017 to 15 Nov 2019)
• Doreen Coyle

  IRN DXC00007

  • CF30 Customer (1 Nov 2007 to 21 Dec 2012)
  • CF21 Investment Adviser (1 Dec 2001 to 31 Oct 2007)
• Douglas Bryan Millward

  IRN DBM01060

  • CF30 Customer (25 Jun 2012 to 8 Dec 2019)
  • CF1 Director (6 Dec 2010 to 15 Apr 2011)
• Eileen Margaret Carrick

  IRN EMC00001

  • CF21 Investment Adviser (1 Dec 2001 to 12 Mar 2004)
• Elizabeth Jennifer Morris

  IRN EJM00016

  • [FCA CF] Client dealing (9 Dec 2019 to 3 Oct 2022)
  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 3 Oct 2022)
  • CF30 Customer (23 May 2016 to 8 Dec 2019)

No changes recorded yet.