Life and Easy Limited

Reference number: 462298

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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, 1 thing worth a closer look

  • When experiencemi.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 130 7446 is, and the 2 other firms that give it
  • Who else gives the postcode BH1 1LG
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Other names (2)

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

  • FYB Trading name
  • FYB - Training Former trading name

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 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
  • 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.

Companies House record

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

Company number
05652516
Company status
Active
Company type
Private limited company
Incorporated
13 December 2005 (20 years old)
Registered office
Roddis House 4th Floor, 4-12 Old Christchurch Road, Bournemouth, Dorset, BH1 1LG
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Babak Ismayil Director Apr 1980 1 Dec 2025 16 other companies
Elliott James Vigar Director Dec 1976 1 Dec 2025 7 other companies
ONEDOME FINANCE LTD Corporate director Not published 1 Dec 2025 7 other companies

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
20
closed down
4
are FCA-registered
9

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 9 on the FCA register
  • The 7 companies these 3 directors run together
  • All 18 people who have ever been directors, with their dates
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Key dates in its history

Life and Easy’s history from the FCA register and Companies House, newest first.

Key events (9) All events (46)

2025

1 December 2025

  • Board replaced: both directors left and 3 new directors took over
  • Mortgage Intelligence Holdings Limited gave up control
  • Onedome Finance Ltd took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Mortgage Intelligence Holdings Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

7 September 2012

  • Board replaced: all 3 directors left and 4 new directors took over

Companies House

2007

4 May 2007

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

FCA register

2005

13 December 2005

  • Incorporated at Companies House

Companies House

In the full report: all 46 events

  • All 46 events in its history (9 shown here)
  • Every director appointment and resignation: 32
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Firms connected to Life and Easy

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

connected firms
9
share a director
8
share its phone number
2

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (8), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Life and Easy

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

In Bournemouth

Caplan & Caplan Financial Services LimitedBournemouthAuthorisedChine Financial LtdBournemouthAuthorisedDelta Mortgages LimitedBournemouthAuthorisedDoctors Mortgages LimitedBournemouthAuthorisedGeorge ChristouBournemouthAuthorisedHeadstart Mortgage Solutions LtdBournemouthAuthorised

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 Life and Easy

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 46 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Life and Easy Limited FCA authorised?
Yes, Life and Easy Limited (FRN 462298) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2007 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Life and Easy’s phone number and website?
The FCA register lists the phone number 0345 130 7446 and the website experiencemi.co.uk for Life and Easy. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Life and Easy a scam or clone?
Life and Easy 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 Life and Easy?
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 Life and Easy to the Financial Ombudsman Service, free of charge.
Who owns Life and Easy?
Life and Easy is owned by Onedome Finance Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 December 2025. Before that, it was controlled by Mortgage Intelligence Holdings Limited.
Who runs Life and Easy?
Companies House lists 3 directors of Life and Easy: Babak Ismayil, Elliott James Vigar and Onedome Finance Ltd.
How long has Life and Easy been in business?
The company was formed on 13 December 2005, and has held its current FCA authorisation since May 2007.
Does Life and Easy use any other names?
It trades as FYB. It has previously used the name FYB - Training.

Sources and links

The full report on Life and Easy Limited

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