Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 30 June 2025
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- IG Financial Services Ltd (FRN 1057820) is an AR of The Right Mortgage Limited (FRN 649443). When you use IG Financial Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from IG Financial Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
-
Address
216 Compton Road, Wolverhampton, Wolverhampton, WV3 9JX, United Kingdom
In the full report: 2 background checks
- What kind of line 07359 540497 is
- Who else gives the postcode WV3 9JX
Other names (1)
If you were contacted under any of these names, it is this firm.
- Your Mortgage Ghai Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Right Mortgage Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 14926400 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 June 2023 (3 years old)
- Registered office
- 216 Compton Road 216 Compton Road, Wolverhampton, WV3 9JX, England
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Inder Ghai | Director | May 1981 | 9 Jun 2023 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£1,980
Up £1,979 from £1
Employees (average)
0
No earlier figure to compare
Owed within a year
£2,076
No earlier figure to compare
Net assets
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 14926400. 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
IG Financial Services’s history from the FCA register and Companies House, newest first.
2026
22 July 2026
- Became an appointed representative
- Began trading as "Your Mortgage Ghai"
FCA register
2023
9 June 2023
- Incorporated at Companies House
- Inder Ghai took control (75–100% of shares)
- Inder Ghai appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like IG Financial Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In Wolverhampton
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 IG Financial Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
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Frequently asked questions about this firm
Is IG Financial Services Ltd FCA authorised?
What does appointed representative mean for IG Financial Services?
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Is IG Financial Services a scam or clone?
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Who owns IG Financial Services?
Who runs IG Financial Services?
How long has IG Financial Services been in business?
What do IG Financial Services’ latest accounts show?
Does IG Financial Services use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk