Key Life Financial Services Ltd

Reference number: 577528

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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 keylifefs.com first appeared online, and whether it can receive email
  • What kind of line 020 7100 1765 is
  • Who else gives the postcode HA7 1JS
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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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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
07630887
Company status
Active
Company type
Private limited company
Incorporated
11 May 2011 (15 years old)
Registered office
Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex, HA7 1JS
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Harish Hira Hirani Director Apr 1978 11 May 2011 None
Jayant Dhanji Halai Secretary Not published 21 Apr 2016 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£256k

−7.3% from £276k

Cash at bank

£269k

+17% from £230k

Employees (average)

11

+38% from 8

Owed within a year

£109k

+99% from £54.7k

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 07630887. 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

Key Life Financial Services’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2016

6 April 2016

  • Harish Hira Hirani took control (75–100% of shares)

Companies House

2012

11 June 2012

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

FCA register

2011

11 May 2011

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms like Key Life Financial Services

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

In Stanmore

Barts Insurance Brokers LimitedStanmoreAuthorisedFirst Financial Intermediaries LimitedStanmoreAuthorisedLondon Financial Advisors LimitedStanmoreAuthorisedNachu Finance LtdStanmoreAuthorisedPyramid Financial Solutions LimitedStanmoreAuthorisedChristopher StearnesStanmoreAppointed 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 Key Life 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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Key Life Financial Services Ltd FCA authorised?
Yes, Key Life Financial Services Ltd (FRN 577528) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2012 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Key Life Financial Services’ phone number and website?
The FCA register lists the phone number 020 7100 1765 and the website keylifefs.com for Key Life Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Key Life Financial Services a scam or clone?
Key Life Financial Services 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 Key Life Financial Services?
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 Key Life Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Key Life Financial Services?
Companies House lists one person with significant control of Key Life Financial Services: Mr Harish Hira Hirani (75–100% of shares).
Who runs Key Life Financial Services?
Companies House lists one director of Key Life Financial Services: Harish Hira Hirani.
How long has Key Life Financial Services been in business?
The company was formed on 11 May 2011, and has held its current FCA authorisation since June 2012.
What do Key Life Financial Services’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £256k (−7.3% from £276k) and cash at bank of £269k (+17% from £230k).

Sources and links

The full report on Key Life Financial Services Ltd

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