TRULY INDEPENDENT LTD

• Principal Place of Business

  Truly Independent

  Atlantic House

  Fletcher Way

  Parkhouse

  Carlisle

  Cumberland

  CA3 0LJ

  UNITED KINGDOM

  Phone

  +4401228587588

  Web

  https://www.trulyifa.co.uk

• Complaints Contact

  Truly Independent

  Atlantic House

  Fletcher Way

  Parkhouse

  Carlisle

  Cumberland

  CA3 0LJ

  UNITED KINGDOM

  Phone

  +4401228587588

• 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 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

  Show 2 limitations 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.
  • · 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.

• Equity Release Advice

  For Customer, Home reversion plans

• 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.

• Equity Release Arranging

  For Customer, Home reversion plans

• 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 2 limitations Hide limitations

  • · This permission is limited to debt counselling with no debt management activity
  • · This permission is limited to debt counselling which is provided in connection with investment advice and buy to let mortgages.

• Equity Release Setup

  For Customer, Home reversion plans

• 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.

• Richard Anthony Rust

  IRN RAR01097

  • 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 28 Apr 2025)
  • [FCA CF] Functions requiring qualifications (since 28 Apr 2025)
• Richard Colin Bygrave

  IRN RCB00022

  • 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] Client dealing (since 15 Jul 2024)
  • [FCA CF] Functions requiring qualifications (since 15 Jul 2024)
• Robert John Old

  IRN RJO00016

  • CF30 Customer (10 May 2019 to 22 May 2019)
• Robert John Paton Maxwell

  IRN RJM00131

  • CF30 Customer (22 Jan 2013 to 15 Feb 2013)
• Robert Ritchie

  IRN RXR00015

  • [FCA CF] Client dealing (9 Dec 2019 to 28 Mar 2024)
  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 28 Mar 2024)
  • CF30 Customer (26 Jan 2015 to 8 Dec 2019)
• Rohid Rajnikant Ladva

  IRN RXL00112

  • 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 3 Jul 2023)
  • [FCA CF] Functions requiring qualifications (since 3 Jul 2023)
• Ronald Armstrong

  IRN RXA00069

  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 12 Mar 2021)
  • [FCA CF] Client dealing (9 Dec 2019 to 12 Mar 2021)
  • CF30 Customer (16 Apr 2019 to 8 Dec 2019)
• Ryan Leslie Gray

  IRN RLG01066

  • 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] Client dealing (since 20 Feb 2026)
  • [FCA CF] Functions requiring qualifications (since 20 Feb 2026)
• Sam Jonathan Teller

  IRN SJT00065

  • [FCA CF] Client dealing (12 May 2020 to 6 Oct 2022)
  • [FCA CF] Functions requiring qualifications (12 May 2020 to 6 Oct 2022)
• Samantha Hughes-Dowdle

  IRN SXH02289

  • 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 1 Dec 2023)
  • [FCA CF] Client dealing (since 1 Dec 2023)

• Sands Financial Management Ltd (no longer appointed)

  FRN 651381 · Appointed 9 Sep 2022 · Until 29 Sep 2023

No changes recorded yet.