Sophex Limited

• Principal Place of Business

  Insight Financial Associates Ltd

  Insight House 7a

  Alkmaar Way

  Norwich

  Norfolk

  NR6 6BF

  UNITED KINGDOM

  Phone

  +4401603268080

  Web

  https://www.lifetimefinancialsolutions.co.uk

• Complaints Contact

  Insight Financial Associates Ltd

  Insight House 7a

  Alkmaar Way

  Norwich

  Norfolk

  NR6 6BF

  UNITED KINGDOM

  Phone

  +4401603268080

• Buy-to-Let Mortgage Advice

• Buy-to-Let Mortgage Arranging

• P2P Lending Advice

  For 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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  • · 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.

• Equity Release Advice

  For Customer, Home reversion plans

• Investment Advice (no pensions)

  For Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Funeral plan contract, 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

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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.

• 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.

• Equity Release Arranging

  For Customer, Home reversion plans

• Arranges Investments

  For Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Funeral plan contract, 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

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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.

• Mortgage Arranging

  For Customer, Regulated mortgage contract

• Buy-to-Let Start Date

• Buy-to-Let Status

• Credit Brokering

• Debt Advice

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  • · Limited to debt counselling which is provided in connection with investment advice, buy-to-let mortgages and second charge mortgages
  • · 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”.

• Consumer Loans

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  • · Limited to lending where no charge (by way of interest or otherwise) is payable by the borrower in connection with the provision of credit under the regulated credit agreement
  • · Limited to lending that is in connection with the repayment of fees which are only for ongoing services or regular premiums.

• Loan Servicing

• Equity Release Setup

  For Customer, Home reversion plans

• Mortgage Setup

  For Customer, Regulated mortgage contract

• Investment Setup

  For Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Funeral plan contract, 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.

• Georgianna Lacey-Scane

  IRN GXL00283

  • 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 7 May 2024)
  • [FCA CF] Functions requiring qualifications (since 7 May 2024)
• Harriet Victoria Dawn Davis

  IRN HXD00131

  • [FCA CF] Client dealing (3 Jun 2024 to 12 Jun 2025)
  • [FCA CF] Functions requiring qualifications (3 Jun 2024 to 12 Jun 2025)
• Ian Peter Couling

  IRN IPC00006

  • [FCA CF] Client dealing (8 Dec 2020 to 10 Jun 2024)
  • [FCA CF] Functions requiring qualifications (8 Dec 2020 to 10 Jun 2024)
  • SMF16 Compliance Oversight (9 Dec 2019 to 9 Sep 2024)
  • SMF3 Executive Director (9 Dec 2019 to 9 Sep 2024)
  • SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 9 Sep 2024)
  • Responsible for Insurance Distribution (1 Oct 2018 to 9 Sep 2024)
  • Responsibility for MCD Intermediation (21 Mar 2016 to 9 Sep 2024)
  • CF30 Customer (1 Nov 2007 to 8 Dec 2019)
  • CF11 Money Laundering Reporting (1 Dec 2006 to 8 Dec 2019)
  • CF10 Compliance Oversight (1 Dec 2006 to 8 Dec 2019)
  • CF21 Investment Adviser (1 Dec 2006 to 31 Oct 2007)
  • Responsible for Insurance Mediation (1 Dec 2006 to 30 Sep 2018)
  • CF1 Director (1 Dec 2006 to 8 Dec 2019)
  • CF8 Apportionment and Oversight (1 Dec 2006 to 31 Mar 2009)
• Jade Diana Carter

  IRN JXC01404

  • 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)
  • 21. Advising or arranging (bringing about) equity release transactions
  • [FCA CF] Functions requiring qualifications (since 30 Apr 2024)
  • [FCA CF] Client dealing (since 30 Apr 2024)
• Jason Richard Howard

  IRN JRH00062

  • SMF3 Executive Director (since 16 Aug 2024)
  • Responsibility for MCD Intermediation (since 16 Aug 2024)
• Jenna Louise Mary Chandler

  IRN JXC00335

  • 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 3 Jun 2024)
  • [FCA CF] Client dealing (since 3 Jun 2024)
• Jennie Warne

  IRN JXW00654

  • [FCA CF] Manager of certification employee (since 31 Dec 2024)
• Jesus Antonio Tella

  IRN JAT00010

  • CF30 Customer (1 Nov 2007 to 28 Oct 2011)
  • CF22 Investment Adviser (Trainee) (25 Jul 2007 to 31 Oct 2007)
• Luke Andrew Durrant

  IRN LAD01068

  • CF30 Customer (2 Jan 2012 to 16 Nov 2018)
• Mark Andrew Spackman

  IRN MAS01274

  • [FCA CF] Functions requiring qualifications (8 Dec 2020 to 6 Sep 2024)
  • [FCA CF] Client dealing (8 Dec 2020 to 6 Sep 2024)
  • CF30 Customer (5 Aug 2019 to 8 Dec 2019)

No changes recorded yet.