R & G FINANCIAL SERVICES LTD

• Principal Place of Business

  57 Townhead

  Kirkintilloch

  Glasgow

  Lanarkshire

  G66 1NN

  UNITED KINGDOM

  Phone

  +4401415784100

  Web

  https://www.randgfinancial.co.uk

• Complaints Contact

  57 Townhead

  Kirkintilloch

  Glasgow

  Lanarkshire

  G66 1NN

  UNITED KINGDOM

  Phone

  +4401415784100

• 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 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

  • · This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from: i) pension policies with a Guaranteed Annuity Rate (for the avoidance of doubt, this includes policies which are retirement annuity contracts with a minimum guaranteed income, where that income satisfies limb (b) of the Glossary definition of Guaranteed Annuity Rate); ii) defined contribution occupational schemes without safeguarded benefits.
  • · 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

  Show 1 limitation Hide limitations

  • · 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.

• James McCallum

  IRN JXM00160

  • CF30 Customer (20 Mar 2009 to 29 Nov 2013)
• John McAuley

  IRN JXM00413

  • CF21 Investment Adviser (16 May 2003 to 31 Aug 2007)
• Linda Graham

  IRN LXG01145

  • SMF3 Executive Director (since 9 Dec 2019)
  • CF1 Director (16 May 2003 to 8 Dec 2019)
• Michael Bernard McKenna

  IRN MBM00012

  • CF30 Customer (1 Nov 2007 to 21 Dec 2007)
  • CF21 Investment Adviser (16 May 2003 to 28 Dec 2006)
• Norman Gibson

  IRN NXG00006

  • CF22 Investment Adviser (Trainee) (11 Oct 2004 to 22 Nov 2004)
• Philip William James Lauder

  IRN PWL00006

  • CF30 Customer (1 Nov 2007 to 9 Jun 2008)
  • CF21 Investment Adviser (16 May 2003 to 31 Oct 2007)
• Roger Gordon Graham

  IRN RGG00014

  • 21. Advising or arranging (bringing about) equity release transactions
  • 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
  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • SMF16 Compliance Oversight (since 9 Dec 2019)
  • [FCA CF] Functions requiring qualifications (since 9 Dec 2019)
  • [FCA CF] Client dealing (since 9 Dec 2019)
  • SMF3 Executive Director (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)
  • [FCA CF] Manager of certification employee (9 Dec 2019 to 9 Mar 2021)
  • [FCA CF] CASS oversight function (9 Dec 2019 to 9 Mar 2021)
  • CF30 Customer (1 Nov 2007 to 8 Dec 2019)
  • Responsible for Insurance Mediation (14 Jan 2005 to 30 Sep 2018)
  • CF11 Money Laundering Reporting (16 May 2003 to 8 Dec 2019)
  • CF21 Investment Adviser (16 May 2003 to 31 Oct 2007)
  • CF8 Apportionment and Oversight (16 May 2003 to 31 Mar 2009)
  • CF10 Compliance Oversight (16 May 2003 to 8 Dec 2019)
  • CF1 Director (16 May 2003 to 8 Dec 2019)
• Simon Farmer

  IRN SXF00058

  • 21. Advising or arranging (bringing about) equity release transactions
  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 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 9 Dec 2019)
  • [FCA CF] Client dealing (since 9 Dec 2019)
  • CF30 Customer (1 Nov 2007 to 8 Dec 2019)
  • CF21 Investment Adviser (7 Feb 2005 to 31 Oct 2007)
• Stephen James Hazelton

  IRN SJH00092

  • CF21 Investment Adviser (11 Aug 2005 to 15 Jun 2006)
  • CF22 Investment Adviser (Trainee) (12 Jan 2005 to 11 Aug 2005)
• Stephen Wilson

  IRN SXW00970

  • 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 4 Feb 2025)

No changes recorded yet.