ValidPath Financial Limited

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FRN: 836465
Date authorised: 2 September 2019
Companies House: 11679473
Last scraped: 1 week ago

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Addresses

The contact details this firm has registered with the FCA.

Principal Place of Business

The Maltings

East Tyndall Street

Cardiff Bay

Cardiff

Caerdydd

CF24 5EA

UNITED KINGDOM

Phone

+442922947945

Web

https://validpath.co.uk
Complaints Contact

Unit 8, 8 Shepherd Market

Mayfair

London

W1J 7QE

UNITED KINGDOM

Phone

+442922947945

What this firm is allowed to do

The regulated activities the FCA has granted this firm permission to carry out.

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
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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.
- · This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from pension policies with a Guaranteed Annuity Rate.
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
Stockbroking

For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Non-investment insurance contracts, Structured Deposits
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”.
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.
Credit Score Services
Show 1 limitation Hide limitations
- · This permission is limited to not carrying out credit repair services

Approved individuals

Senior staff personally approved by the FCA to hold their roles here.

Patrick Goddard
IRN PXG01517
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- 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)
- 7. Giving personal recommendations on long-term care insurance contracts
- Appointed representative dealing with clients for which they require qualification (since 15 Apr 2026)
- CF30 Customer (since 14 Apr 2026)
- CF1 Director (AR) (since 14 Apr 2026)
Paul David Betts
IRN PDB01132
- 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
- Appointed representative dealing with clients for which they require qualification (since 15 Apr 2026)
- CF30 Customer (since 14 Apr 2026)
Paul Kenneth Thomas Northmore
IRN PKN00005
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- 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)
- 7. Giving personal recommendations on long-term care insurance contracts
- Appointed representative dealing with clients for which they require qualification (since 15 Apr 2026)
- CF1 Director (AR) (since 14 Apr 2026)
- CF30 Customer (since 14 Apr 2026)
Peter James Malone
IRN PXM00147
- Appointed representative dealing with clients for which they require qualification (8 Jan 2025 to 6 Mar 2026)
- CF30 Customer (14 Nov 2024 to 27 Feb 2026)
Philip Pecar
IRN PXP00392
- CF1 Director (AR) (since 6 Feb 2025)
Rikin Shah
IRN RXS01841
- 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)
- 7. Giving personal recommendations on long-term care insurance contracts
- Appointed representative dealing with clients for which they require qualification (since 8 Jan 2025)
- CF30 Customer (since 14 Nov 2024)
Ross Andrew Bailey
IRN RAB01358
- 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)
- 7. Giving personal recommendations on long-term care insurance contracts
- Appointed representative dealing with clients for which they require qualification (since 8 Jan 2025)
- CF30 Customer (since 8 Nov 2024)
Sean Anthony Yates
IRN SAY00002
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- 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)
- CF1 Director (AR) (since 4 Apr 2025)
- CF30 Customer (since 4 Apr 2025)
- Appointed representative dealing with clients for which they require qualification (since 4 Apr 2025)
Steven John Rendell
IRN SJR01198
- 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
- 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
- Appointed representative dealing with clients for which they require qualification (since 15 Apr 2026)
- CF30 Customer (since 14 Apr 2026)
Stuart Farrell
IRN SXF01210
- 7. Giving personal recommendations on long-term care insurance contracts
- 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
- Appointed representative dealing with clients for which they require qualification (since 8 Jan 2025)
- CF30 Customer (since 8 Nov 2024)
- CF1 Director (AR) (since 8 Nov 2024)

Appointed representatives

Smaller firms operating under this firm's FCA authorisation.

Manning & Company (South West) Limited
FRN 1044629 · Appointed 14 Apr 2026
Travis Yates Limited
FRN 1032004 · Appointed 4 Apr 2025
Greshams Independent Financial Advisors Limited
FRN 1031966 · Appointed 3 Apr 2025
Pocock Rutherford & Co Limited
FRN 531661 · Appointed 14 Nov 2024
POCOCK SANDERS LIMITED
FRN 530924 · Appointed 8 Nov 2024
Fathom Financial Limited
FRN 998898 · Appointed 30 Jun 2023
Winnell Douglas Limited
FRN 997454 · Appointed 6 Jun 2023
Icon Financial Limited
FRN 933704 · Appointed 20 Sep 2021
Manning & Company (South West) Limited (869) (no longer appointed)
FRN 176564 · Appointed 14 Apr 2026 · Until 14 Apr 2026

Recent activity

Updates to this firm's record on the FCA register.

No changes recorded yet.

What it all means

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.