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.

Identity

Check their details

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.

Also trades as 7 other names
  • checkocean
  • CredAbility
  • Home & Life
  • Ocean
  • Ocean Finance
  • Ocean Loans
  • Ocean Mortgages

Company details

From the company's Companies House record.

Company number
04291279
Company status
Active
Company type
Private limited company
Incorporated
21 September 2001 (24 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)

Current directors and secretaries

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

Check on the FCA register → Report a scam →

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.

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Friendly Loans Limited
  • Think Loans and Mortgages Limited

Names it no longer trades under

This firm has retired 21 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • askocean
  • Azz Loans
  • chooseocean
  • City Loans
  • Friendly Loans
  • Friendly Loans And Mortgages
  • Friendly Mortgages
  • Friendly Mortgages And Loans
  • getocean
  • Moneyfinder
  • oceancard
  • Ocean Car Finance
  • oceancarinsurance
  • oceanhomeinsurance
  • Think Loans
  • Think Mortgages
  • thinkocean
  • visitocean
  • wisebuyinsurance
  • your loan deals
  • your mortgage deals

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Common questions

Frequently asked questions

Is Intelligent Lending Limited FCA authorised?
Yes, Intelligent Lending Limited (FRN 310069) is authorised by the FCA to carry out regulated activities.
Is my money safe with Intelligent Lending?
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.
Is Intelligent Lending a scam or clone?
Intelligent Lending is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Intelligent Lending's Firm Reference Number (FRN)?
Intelligent Lending's FRN is 310069. You can verify it on the FCA register.