Intelligent Adviser Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017
Accounts filed up to 31 August 2025

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.

Website

iadviser.net (opens in a new tab)
Phone number

07966 263290
Address

The Old School House, 65A London Road, Oadby, Leicester, Leicestershire, LE2 5DN, United Kingdom

In the full report: 3 background checks

When iadviser.net first appeared online, and whether it can receive email
What kind of line 07966 263290 is
Who else gives the postcode LE2 5DN

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 (10 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-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: 10753117 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 4 May 2017 (9 years old)
Registered office: 28 Kingsmead Close, Leicester, LE2 3YR, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Hemenshu Ratilal Lakhani	Director	Aug 1970	4 May 2017	2 other companies
Minay Raithatha	Director	Jul 1970	4 May 2017	None

Other companies run by these 2 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: 2
closed down: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£60.6k

−1.5% from £61.5k

Cash at bank

£128k

+13% from £114k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 10753117. 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

Intelligent Adviser’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2024

4 May 2024

Hemenshu Ratilal Lakhani became a part-owner (25–50% of shares)
Minay Raithatha became a part-owner (25–50% of shares)

Companies House

2017

1 September 2017

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

FCA register

4 May 2017

Incorporated at Companies House

Companies House

In the full report: all 8 events

All 8 events in its history (5 shown here)
Every director appointment and resignation: 2

Firms like Intelligent Adviser

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

In Leicester

A Star Mortgage Services LimitedLeicesterAuthorised Advanced Mortgage Solutions Leicester LtdLeicesterAuthorised Airborne Mortgage Solutions LtdLeicesterAuthorised Assured Mortgage Services LtdLeicesterAuthorised Bradgate Financial Solutions LtdLeicesterAuthorised HL Partnership LimitedLeicesterAuthorised

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 Intelligent Adviser

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

2 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 8 events in its history

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Frequently asked questions about this firm

Is Intelligent Adviser Ltd FCA authorised?

Yes, Intelligent Adviser Ltd (FRN 782498) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2017 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.

What is Intelligent Adviser’s phone number and website?

The FCA register lists the phone number 07966 263290 and the website iadviser.net for Intelligent Adviser. If you were given different contact details, use these to check with the firm before going any further.

Is Intelligent Adviser a scam or clone?

Intelligent Adviser 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 Intelligent Adviser?

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 Intelligent Adviser to the Financial Ombudsman Service, free of charge.

Who owns Intelligent Adviser?

Companies House lists 2 people with significant control of Intelligent Adviser: Mr Minay Raithatha (25–50% of shares) and Mr Hemenshu Ratilal Lakhani (25–50% of shares).

Who runs Intelligent Adviser?

Companies House lists 2 directors of Intelligent Adviser: Hemenshu Ratilal Lakhani and Minay Raithatha.

How long has Intelligent Adviser been in business?

The company was formed on 4 May 2017, and has held its current FCA authorisation since September 2017.

What do Intelligent Adviser’s latest accounts show?

Its latest accounts, to 31 August 2025, show net assets of £60.6k (−1.5% from £61.5k) and cash at bank of £128k (+13% from £114k).