Either self-approve (if your permissions cover it), engage your principal, or use an FCA-registered s21 approver; budget 3-7 working days per asset.
Three routes
1. Self-approval inside authorised firm by a suitably-qualified individual 2. Principal firm sign-off for ARs 3. External s21 approver (FCA-registered list, 150-600 pounds per asset)
What they check
- Balanced risk language - No misleading implications of capital growth - Target market definition under Consumer Duty - Proof of claims and statistics