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

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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 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.

• Judith Anne Lancaster

  IRN JXL00459

  • [FCA CF] Functions requiring qualifications (4 Jan 2022 to 6 Jan 2022)
  • [FCA CF] Client dealing (4 Jan 2022 to 6 Jan 2022)
• Justin Stuart Clough

  IRN JXC81632

  • [FCA CF] Client dealing (22 May 2020 to 14 Sep 2021)
  • [FCA CF] Functions requiring qualifications (22 May 2020 to 14 Sep 2021)
• Karl Brendan Vidak

  IRN KBV00003

  • 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 26 Mar 2020)
  • [FCA CF] Functions requiring qualifications (since 26 Mar 2020)
• Katie Brinsden

  IRN KXB00059

  • SMF3 Executive Director (since 16 Jan 2021)
• Kieran James Lynch

  IRN KXL00326

  • 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 13 Oct 2025)
  • [FCA CF] Client dealing (since 13 Oct 2025)
• Kim Elizabeth Pocock

  IRN KEP00001

  • 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 22 Jun 2020)
  • [FCA CF] Client dealing (since 22 Jun 2020)
• Luke Jonathan Moloney

  IRN LXM06653

  • 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 17 Apr 2023)
  • [FCA CF] Client dealing (since 17 Apr 2023)
• Luke Sloman

  IRN LXS18365

  • [FCA CF] Client dealing (23 Jan 2020 to 7 Apr 2023)
  • [FCA CF] Functions requiring qualifications (23 Jan 2020 to 7 Apr 2023)
• Lynne Marie Bennett

  IRN LMA00008

  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 31 Dec 2020)
  • [FCA CF] Client dealing (9 Dec 2019 to 31 Dec 2020)
  • CF30 Customer (22 Dec 2014 to 8 Dec 2019)
• Lynne Suzanne Knight

  IRN LXK00199

  • SMF16 Compliance Oversight (11 Mar 2024 to 18 Jul 2024)
  • Responsible for Insurance Distribution (11 Mar 2024 to 18 Jul 2024)
  • SMF17 Money Laundering Reporting Officer (MLRO) (11 Mar 2024 to 18 Jul 2024)
  • Responsibility for MCD Intermediation (11 Mar 2024 to 18 Jul 2024)

• Sands Financial Management Ltd (no longer appointed)

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

No changes recorded yet.