Intelligent Lending Limited

Reference number: 310069

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Scammers have impersonated this firm. The FCA has published 2 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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

  • When oceanfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 672 7575 is
  • Who else gives the postcode M50 2HF
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Other names (30)

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

  • checkocean Trading name
  • CredAbility Trading name
  • Home & Life Trading name
  • Ocean Trading name
  • Ocean Finance Trading name
  • Ocean Loans Trading name
  • Ocean Mortgages Trading name
  • Friendly Loans Limited Former name
  • Think Loans and Mortgages Limited Former name
  • askocean Former trading name
  • Azz Loans Former trading name
  • chooseocean Former trading name
  • City Loans Former trading name
  • Friendly Loans Former trading name
  • Friendly Loans And Mortgages Former trading name
  • Friendly Mortgages Former trading name
  • Friendly Mortgages And Loans Former trading name
  • getocean Former trading name
  • Moneyfinder Former trading name
  • oceancard Former trading name
  • Ocean Car Finance Former trading name
  • oceancarinsurance Former trading name
  • oceanhomeinsurance Former trading name
  • Think Loans Former trading name
  • Think Mortgages Former trading name
  • thinkocean Former trading name
  • visitocean Former trading name
  • wisebuyinsurance Former trading name
  • your loan deals Former trading name
  • your mortgage deals Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake email addresses (1)
  • oceancredituk@gmail.com
The 2 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

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 (12 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

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

Company number
04291279
Company status
Active
Company type
Private limited company
Incorporated
21 September 2001 (25 years old)
Registered office
White Collar Factory, 1 Old Street Yard, London, EC1Y 2AS, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon David Kay Director Apr 1968 4 Apr 2003 23 other companies
Stephen Andrew Stylianou Director May 1969 25 Jun 2004 20 other companies
Geoff Dearden Director May 1969 10 Jun 2015 3 other companies
Simon David Kay Secretary Not published 18 Mar 2026 –

Other companies run by these 3 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
26
closed down
13
went insolvent
4

In the full report: all 26 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 4 that went into liquidation or administration
  • The 2 on the FCA register
  • The 18 companies these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (12) All events (77)

2024

29 August 2024

  • Intelligent Lending Group Ltd took control (75–100% of shares)
  • Tmg Holdings 2 Limited gave up control

Companies House

2021

15 February 2021

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2018

7 August 2018

  • Alchemy Partners LLP no longer has significant control

Companies House

2016

6 April 2016

  • Alchemy Partners LLP gained significant control
  • Tmg Holdings 2 Limited took control (75–100% of shares)

Companies House

5 January 2016

  • Changed its registered name from "Think Loans and Mortgages Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

7 January 2009

  • Changed its registered name from "Friendly Loans Limited"

FCA register

2004

2 November 2004

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2001

21 September 2001

  • Incorporated at Companies House

Companies House

In the full report: all 77 events

  • All 77 events in its history (12 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Intelligent Lending

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

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Intelligent Lending

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

In the Manchester (M) postcode area

Clearscore Everywhere LimitedManchesterAuthorisedA Gharial Finance Solutions LimitedManchesterAuthorisedAL Capital LimitedManchesterAuthorisedAsset Guide LimitedSaleAuthorisedBA Financial Services LtdManchesterAuthorisedBlanc Property Finance LimitedManchesterAuthorised

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 Lending

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

  • 26 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 77 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Intelligent Lending Limited FCA authorised?
Yes, Intelligent Lending Limited (FRN 310069) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2004 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Intelligent Lending’s phone number and website?
The FCA register lists the phone number 0161 672 7575 and the website oceanfinance.co.uk for Intelligent Lending. If you were given different contact details, use these to check with the firm before going any further.
Is Intelligent Lending a scam or clone?
Scammers have impersonated Intelligent Lending: the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Intelligent Lending, shown on this page.
Is my money safe with Intelligent Lending?
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 Lending to the Financial Ombudsman Service, free of charge.
Who owns Intelligent Lending?
Intelligent Lending is owned by Intelligent Lending Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 August 2024. Before that, it was controlled by Alchemy Partners LLP and Tmg Holdings 2 Limited.
Who runs Intelligent Lending?
Companies House lists 3 directors of Intelligent Lending: Simon David Kay, Stephen Andrew Stylianou and Geoff Dearden.
How long has Intelligent Lending been in business?
The company was formed on 21 September 2001, and has held its current FCA authorisation since November 2004.
Does Intelligent Lending use any other names?
It trades as checkocean, CredAbility, Home & Life, Ocean and Ocean Finance, and 2 more names. It has previously used 23 other names, including Friendly Loans Limited, Think Loans and Mortgages Limited and askocean.

Sources and links

The full report on Intelligent Lending Limited

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