Intelligent Finance Planning Ltd

Reference number: 432734

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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.

Responsible principal firm

First Complete Limited Reference number: 435779 Authorised 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.
  • Intelligent Finance Planning Ltd (FRN 432734) is an AR of First Complete Limited (FRN 435779). When you use Intelligent Finance Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Intelligent Finance Planning, 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.

  • No website on the FCA register

  • Phone number

    0121 285 0701

  • Address

    134 Sandon Road, Smethwick, West Midlands, B66 4AB, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 285 0701 is
  • Who else gives the postcode B66 4AB
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Other names (1)

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

  • Mortgage Link (Midlands) Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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, free
    You 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 name
INTELLIGENT FINANCE PLANNING LIMITED
Company number
04254437
Company status
Active
Company type
Private limited company
Incorporated
18 July 2001 (25 years old)
Registered office
134 Sandon Road, Bearwood, Birmingham, West Midlands, B66 4AB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Davinder Singh Sandhu Director Dec 1972 18 Jul 2001 2 other companies

Other companies run by its director

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 its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£7,582

−27% from £10.4k

Employees (average)

4

Same as 4

Owed within a year

£73.2k

−14% from £85.0k

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
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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 04254437. 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 Finance Planning’s history from the FCA register and Companies House, newest first.

Key events (4) All events (15)

2016

20 July 2016

  • Davinder Singh Sandhu became the majority owner (50–75% of shares)

Companies House

2009

9 March 2009

  • Changed its registered name from "Mortgage Link (Midlands) Ltd"

FCA register

2005

13 May 2005

  • Became an appointed representative

FCA register

2001

18 July 2001

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (4 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Intelligent Finance Planning

Other FCA-listed firms that share a director, phone number or address with Intelligent Finance Planning. 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
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Firms like Intelligent Finance Planning

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

In the Birmingham (B) postcode area

D Gee Mortgages LtdBirminghamAppointed representativeA & S Financial ServicesBirminghamAppointed representativeAAG Mortgage Brokerage LtdSolihullAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAcres Financial Services LimitedSutton ColdfieldAppointed representativeAiles Mortgage Solutions LimitedSolihullAppointed 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 Intelligent Finance Planning

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Intelligent Finance Planning Ltd FCA authorised?
Intelligent Finance Planning Ltd (FRN 432734) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Intelligent Finance Planning?
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. Intelligent Finance Planning Ltd (FRN 432734) is an AR of First Complete Limited (FRN 435779). When you use Intelligent Finance Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Intelligent Finance Planning, 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.
What is Intelligent Finance Planning’s phone number?
The FCA register lists the phone number 0121 285 0701 for Intelligent Finance Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Intelligent Finance Planning a scam or clone?
Intelligent Finance Planning 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 Finance Planning?
Protection works through First Complete Limited, the principal firm responsible for Intelligent Finance Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Intelligent Finance Planning?
Companies House lists one person with significant control of Intelligent Finance Planning: Mr Davinder Singh Sandhu (50–75% of shares).
Who runs Intelligent Finance Planning?
Companies House lists one director of Intelligent Finance Planning: Davinder Singh Sandhu.
How long has Intelligent Finance Planning been in business?
The company was formed on 18 July 2001.
What do Intelligent Finance Planning’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £7,582 (−27% from £10.4k).
Does Intelligent Finance Planning use any other names?
It has previously used the name Mortgage Link (Midlands) Ltd.

Sources and links

The full report on Intelligent Finance Planning Ltd

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