Medical and General Independent Financial Advisers Ltd

• Principal Place of Business

  Cadhay Barn

  Cadhay

  Ottery St. Mary

  Devon

  EX11 1QT

  UNITED KINGDOM

  Phone

  +441404515544

  Web

  https://www.medicalandgeneral.co.uk

• Complaints Contact

  Cadhay Barn

  Cadhay

  Ottery St. Mary

  Devon

  EX11 1QT

  UNITED KINGDOM

  Phone

  +441404515544

• Buy-to-Let Mortgage Advice

• Buy-to-Let Mortgage Arranging

• 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

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  • · 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.
  • · 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, 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

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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, 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 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”.

• 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.

• Laura Howlett

  IRN LXH01347

  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Client dealing (since 20 Jan 2025)
  • [FCA CF] Functions requiring qualifications (since 20 Jan 2025)
• Liam Clive Robinson

  IRN LXR00048

  • [FCA CF] Functions requiring qualifications (4 Oct 2024 to 31 Dec 2024)
• Liam Steven Pellowe

  IRN LXP00072

  • [FCA CF] Functions requiring qualifications (13 Nov 2024 to 29 Aug 2025)
• Lindsey Aaron Alfred Reynolds

  IRN LAR00003

  • CF30 Customer (11 Oct 2017 to 26 Jul 2018)
• Michael David Harms

  IRN MDH01137

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • 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)
  • 7. Giving personal recommendations on long-term care insurance contracts
  • SMF3 Executive Director (since 9 Dec 2019)
  • [FCA CF] Client dealing (since 9 Dec 2019)
  • [FCA CF] Functions requiring qualifications (since 9 Dec 2019)
  • SMF16 Compliance Oversight (since 9 Dec 2019)
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 9 Dec 2019)
  • Responsible for Insurance Distribution (since 1 Oct 2018)
  • Responsibility for MCD Intermediation (since 21 Mar 2016)
  • CF30 Customer (24 Mar 2015 to 8 Dec 2019)
  • CF10 Compliance Oversight (24 Mar 2015 to 8 Dec 2019)
  • CF1 Director (24 Mar 2015 to 8 Dec 2019)
  • CF11 Money Laundering Reporting (24 Mar 2015 to 8 Dec 2019)
  • Responsible for Insurance Mediation (24 Mar 2015 to 30 Sep 2018)
• Noemie Williams

  IRN NXW00241

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • [FCA CF] Functions requiring qualifications (since 29 Jan 2026)
  • [FCA CF] Functions requiring qualifications (28 Sep 2022 to 20 Oct 2025)
• Richard Allen Ginn

  IRN RAG00016

  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Functions requiring qualifications (since 25 Nov 2020)
  • [FCA CF] Client dealing (since 25 Nov 2020)
  • CF30 Customer (31 Jul 2019 to 8 Dec 2019)
• Robert Michael Muscutt

  IRN RMM01137

  • 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 Nov 2020)
  • [FCA CF] Client dealing (25 Nov 2020 to 30 Aug 2024)
  • CF30 Customer (20 Aug 2018 to 8 Dec 2019)
• Samantha Bickford

  IRN SXB00240

  • 21. Advising or arranging (bringing about) equity release transactions
  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • [FCA CF] Functions requiring qualifications (since 2 Mar 2026)
• Thomas Martens

  IRN TXM00268

  • [FCA CF] Functions requiring qualifications (23 Jun 2021 to 15 Sep 2022)

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