WILLIAM H. HOWARD LIMITED

• Principal Place of Business

  Prospect House

  1 Bolholt Terrace

  Bury

  Lancashire

  BL8 1PP

  UNITED KINGDOM

  Phone

  +4401617645256

  Web

  https://www.howardsifa.co.uk

• Complaints Contact

  Prospect House

  1 Bolholt Terrace

  Bury

  Lancashire

  BL8 1PP

  UNITED KINGDOM

  Phone

  +4401617645256

• Buy-to-Let Mortgage Advice

• Buy-to-Let Mortgage Arranging

• P2P Lending Advice

  For Commercial, Retail (Investment), Retail (Non-Investment Insurance)

• Pension Transfer Advice

  For Retail (Investment), Life Policy, Personal pension scheme, 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 Advice (no pensions)

  For Commercial, 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

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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.

• Arranges Investments

  For Commercial, 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

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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

• Insurance Admin

  For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts

• Buy-to-Let Start Date

• Buy-to-Let Status

• Credit Brokering

• Stockbroking

  For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts

• Debt Advice

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  • · 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”.
  • · this permission is limited to debt counselling which is provided in connection with investment advice and/or buy to let mortgages.

• Consumer Loans

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  • · Limited to lending that is in connection with the repayment of fees (relating to the provision of professional services) or (which are only for ongoing services or regular premiums).
  • · This permission is limited to lending which the firm carries on as a supplier and (i) 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; (ii) the regulated credit agreement is not a hire-purchase agreement or a conditional sale agreement; and (iii) unless the firm is a not-for profit body, the obligation of the borrower to repay is not secured, and is not to be secured, by a legal mortgage on land

• Loan Servicing

• Mortgage Setup

  For Customer, Regulated mortgage contract

• Investment Setup

  For Commercial, 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

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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.

• Credit Score Services

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  • · This permission is limited to not carrying out credit repair services

• Brian John Bishop

  IRN BJB00030

  • CF21 Investment Adviser (1 Oct 2003 to 30 Sep 2006)
• Christopher Stuart Burnham

  IRN CSB00004

  • CF24 Pension Transfer Specialist (1 Oct 2003 to 17 Mar 2006)
  • CF21 Investment Adviser (1 Oct 2003 to 17 Mar 2006)
• Christopher Vincent Summers

  IRN CVS00001

  • CF30 Customer (1 Nov 2007 to 3 Jul 2019)
  • CF21 Investment Adviser (1 May 2006 to 31 Oct 2007)
• David Bowers

  IRN DXB01714

  • CF21 Investment Adviser (13 Jun 2007 to 31 Aug 2007)
  • CF22 Investment Adviser (Trainee) (1 Sep 2006 to 8 Jun 2007)
• David Charles McKinney

  IRN DCM00031

  • [FCA CF] Client dealing (24 Aug 2020 to 1 Nov 2021)
  • [FCA CF] Functions requiring qualifications (24 Aug 2020 to 1 Nov 2021)
  • SMF1 Chief Executive (9 Dec 2019 to 16 Dec 2021)
  • SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 16 Dec 2021)
  • SMF3 Executive Director (9 Dec 2019 to 16 Dec 2021)
  • Responsible for Insurance Distribution (1 Oct 2018 to 16 Dec 2021)
  • Responsibility for MCD Intermediation (21 Mar 2016 to 16 Dec 2021)
  • Responsible for Insurance Mediation (29 Nov 2011 to 30 Sep 2018)
  • CF30 Customer (1 Nov 2007 to 8 Dec 2019)
  • CF1 Director (30 Dec 2004 to 8 Dec 2019)
  • CF3 Chief Executive (30 Dec 2004 to 8 Dec 2019)
  • CF21 Investment Adviser (1 Oct 2003 to 31 Oct 2007)
  • CF11 Money Laundering Reporting (3 Sep 2003 to 3 Sep 2003)
• Gary Derek Mitchell

  IRN GDM00024

  • 19. Administrative functions in relation to the operation of stakeholder pension schemes
  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 26 Nov 2021)
  • Responsibility for MCD Intermediation (since 26 Nov 2021)
  • Responsible for Insurance Distribution (since 26 Nov 2021)
  • [FCA CF] Functions requiring qualifications (since 24 Aug 2020)
  • [FCA CF] Client dealing (since 24 Aug 2020)
  • SMF3 Executive Director (since 9 Dec 2019)
  • SMF16 Compliance Oversight (since 9 Dec 2019)
  • CF30 Customer (1 Nov 2007 to 8 Dec 2019)
  • CF1 Director (30 Dec 2004 to 8 Dec 2019)
  • CF10 Compliance Oversight (30 Dec 2004 to 8 Dec 2019)
  • CF21 Investment Adviser (30 Dec 2004 to 31 Oct 2007)
  • CF8 Apportionment and Oversight (30 Dec 2004 to 31 Mar 2009)
  • CF22 Investment Adviser (Trainee) (1 Oct 2003 to 22 Dec 2004)
• Graham Bernard Melia

  IRN GBM00005

  • CF30 Customer (1 Nov 2007 to 30 Dec 2008)
  • CF21 Investment Adviser (1 Oct 2003 to 31 Oct 2007)
• Kathleen Howard

  IRN KXH00057

  • CF1 Director (1 Oct 2003 to 30 Dec 2004)
• Ryan Alexander Mitchell

  IRN RXM00680

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • [FCA CF] Functions requiring qualifications (since 4 Jul 2022)
• William Holden Howard

  IRN WHH00003

  • CF8 Apportionment and Oversight (1 Oct 2003 to 30 Dec 2004)
  • CF1 Director (1 Oct 2003 to 30 Dec 2004)
  • CF10 Compliance Oversight (1 Oct 2003 to 30 Dec 2004)
  • CF11 Money Laundering Reporting (1 Oct 2003 to 30 Dec 2004)
  • CF21 Investment Adviser (1 Oct 2003 to 30 Dec 2004)
  • CF3 Chief Executive (1 Oct 2003 to 30 Dec 2004)

No changes recorded yet.