At the moment you would be allowed to sell/advise on non-regulated products
such as most term assurances, and general insurance (cars, buildings and
contents, etc). However, next year you won't be allowed to do this without
being authorised - which requires at least FPC.
Mortgage regulation comes in at the end of October, so you'll need to think
how you want to be regulated - and you need CeMAP or equivalent now.