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.

• Elliot William Daniels

  IRN EXD12959

  • SMF16 Compliance Oversight (since 11 Nov 2024)
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 11 Nov 2024)
  • [FCA CF] Manager of certification employee (since 22 Jan 2024)
  • [FCA CF] Manager of certification employee (22 Dec 2023 to 23 Dec 2023)
  • [FCA CF] Functions requiring qualifications (21 Dec 2023 to 22 Dec 2023)
• Emily Davies

  IRN EXH01430

  • 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 31 Dec 2019)
  • [FCA CF] Client dealing (since 31 Dec 2019)
• Eve Lynsey Clark-Pyper

  IRN ELC01041

  • [FCA CF] Client dealing (31 Mar 2023 to 5 Oct 2023)
  • [FCA CF] Functions requiring qualifications (31 Mar 2023 to 5 Oct 2023)
• Ewa Brzeska

  IRN EXB00197

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 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)
  • [FCA CF] Client dealing (since 24 Aug 2021)
  • [FCA CF] Functions requiring qualifications (since 24 Aug 2021)
• Finlay Douglas

  IRN FXD00113

  • 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 20 Oct 2025)
  • [FCA CF] Client dealing (since 20 Oct 2025)
• Gareth Stacey Wallis

  IRN GSW00026

  • CF30 Customer (10 Dec 2012 to 7 Mar 2017)
• Gary George Joseph Decker

  IRN GGD00005

  • CF30 Customer (23 Jun 2016 to 31 Jul 2019)
• Gethin Rhys John

  IRN GRJ01043

  • [FCA CF] Functions requiring qualifications (24 Apr 2023 to 26 Sep 2024)
  • [FCA CF] Client dealing (24 Apr 2023 to 26 Sep 2024)
• Gina Lisa Rogers

  IRN GLO01015

  • 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 2 Oct 2023)
  • [FCA CF] Client dealing (since 2 Oct 2023)
  • CF30 Customer (13 Sep 2022 to 2 Oct 2023)
• Gordon Drummond Lowrie

  IRN GDL00011

  • 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 1 Sep 2020)
  • [FCA CF] Functions requiring qualifications (since 1 Sep 2020)

• Sands Financial Management Ltd (no longer appointed)

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

No changes recorded yet.