I-Property Finance Limited

Reference number: 734423

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks, 1 thing worth a closer look

  • When i-commercialfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 057 1866 is
  • Who else gives the postcode CF72 9EA
Instant PDF download
Other names (13)

If you were contacted under any of these names, it is this firm.

  • Adept Private Finance Trading name
  • Borrow More Trading name
  • I-Commercial Finance Trading name
  • I-Property Insure Trading name
  • Spanish Lifestyle Mortgages Trading name
  • I-Commercial Finance Limited Former name
  • Intelligent Property Financial Ltd Former name
  • Concise Personal Finance Former trading name
  • Concise Private Finance Former trading name
  • Intelligent Property Finance Former trading name
  • Personal Finance Former trading name
  • Rubeus Eight Private Finance Former trading name
  • Specialist Finance Centre Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07260842
Company status
Active
Company type
Private limited company
Incorporated
21 May 2010 (16 years old)
Registered office
5 Willow Walk, Cowbridge, CF71 7EE, Wales
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Tracey Fairclough Director Apr 1966 3 Feb 2017 9 other companies
Andrew Fairclough Director Jan 1968 2 Aug 2021 None
Jonathan Mark Lewis Director Mar 1966 24 May 2023 1 other company
Samuel Fairclough Director Jan 1999 1 Feb 2026 None

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
10
closed down
8
still active
2

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 7 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£6,767

+13% from £6,001

Employees (average)

3

Same as 3

Owed within a year

£67.3k

−29% from £95.4k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 07260842. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

I-Property Finance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (39)

2019

1 October 2019

  • Tracey Fairclough became a part-owner (25–50% of shares)

Companies House

15 January 2019

  • Changed its registered name from "I-Commercial Finance Limited"

FCA register · Companies House

2017

28 September 2017

  • Changed its registered name from "I-Property Finance Limited"

FCA register

7 March 2017

  • Changed its registered name from "Intelligent Property Financial Ltd"

FCA register

2016

14 July 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

1 June 2016

  • Andrew Fairclough became a part-owner (25–50% of shares)

Companies House

2010

21 May 2010

  • Incorporated at Companies House

Companies House

In the full report: all 39 events

  • All 39 events in its history (8 shown here)
  • Every director appointment and resignation: 12
Instant PDF download

Firms connected to I-Property Finance

Other FCA-listed firms that share a director, phone number or address with I-Property Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like I-Property Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Pontyclun

DTCS Financial LimitedPontyclunAuthorisedKeith RugglesPontyclunAuthorisedLifestyle (Glamorgan) LimitedPontyclunAuthorisedWoodfield Financial Services LimitedPontyclunAuthorisedMark John MorrisPontyclunAppointed representativeSuzanne KingPontyclunAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on I-Property Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 39 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is I-Property Finance Limited FCA authorised?
Yes, I-Property Finance Limited (FRN 734423) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is I-Property Finance’s phone number and website?
The FCA register lists the phone number 0330 057 1866 and the website i-commercialfinance.co.uk for I-Property Finance. If you were given different contact details, use these to check with the firm before going any further.
Is I-Property Finance a scam or clone?
I-Property Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with I-Property Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about I-Property Finance to the Financial Ombudsman Service, free of charge.
Who owns I-Property Finance?
Companies House lists 2 people with significant control of I-Property Finance: Mrs Tracey Fairclough (25–50% of shares) and Mr Andrew Fairclough (25–50% of shares).
Who runs I-Property Finance?
Companies House lists 4 directors of I-Property Finance: Tracey Fairclough, Andrew Fairclough, Jonathan Mark Lewis and Samuel Fairclough.
How long has I-Property Finance been in business?
The company was formed on 21 May 2010, and has held its current FCA authorisation since July 2016.
What do I-Property Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £6,767 (+13% from £6,001).
Does I-Property Finance use any other names?
It trades as Adept Private Finance, Borrow More, I-Commercial Finance, I-Property Insure and Spanish Lifestyle Mortgages. It has previously used 8 other names, including I-Commercial Finance Limited, Intelligent Property Financial Ltd and Concise Personal Finance.

Sources and links

The full report on I-Property Finance Limited

£19.99 · Instant PDF download

Loading secure checkout…