Ingenious Media

What Ingenious Media does

Ingenious is a privately held, FCA-regulated (FRN 562563) UK investment group headquartered in London and wholly owned by founder Patrick McKenna. Founded in 1998 and restructured in June 2020, the group operates primarily through Ingenious Capital Management Limited and a network of wholly owned lending and special-purpose entities. The business has historically invested over £10 billion across media, infrastructure, and real estate, with its current focus on two pillars: the Ingenious Estate Planning (IEP) platform serving high-net-worth private investors seeking Inheritance Tax mitigation through Business Relief-qualifying investments, and Ingenious Real Estate, which provides development and bridging finance (£3m–£30m tickets) directly to UK property developers.

The IEP platform comprises IEP Apex (later-life service with day-one IHT cover insurance), IEP Private Real Estate (lending-focused), IEP Classic (legacy real estate and infrastructure lending), and the IEP Care Service (care advisory via Grace Consulting). Underlying technology is a proprietary myIngenious online portal for investor reporting and adviser access, layered on Microsoft Dynamics for business systems, with GBG Group providing identity verification. Ingenious Real Estate lends against development projects in England and Wales, offering up to 70% LTV / 90% LTC, 12–30 month terms, and interest from 0.85% per month, with a Carbon Impact Initiative launched in 2023 offering rebates of up to 1% of loan value for developers meeting embodied-carbon targets.

Revenue mechanics combine recurring and transaction-based streams: a 1% ongoing management fee, 0.25% administration fee, 0.1% custodian charge, one-off 1.5% investment and 1% dealing fees on the investor side, plus lending interest income and real estate entry/exit fees of 1% each. Distribution is intermediated through UK financial advisers and wealth managers supported by a dedicated Business Development team, with direct developer outreach via the Real Estate team — the firm requires all IEP investors to take regulated financial advice prior to subscription.

Name

Ingenious Media

Legal name

Ingenious Capital Management Limited

Website

https://theingeniousgroup.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Ingenious is a London-based, FCA-regulated private investment group offering Business Relief-qualifying Inheritance Tax planning products to UK high-net-worth investors via financial advisers, alongside development and bridging finance to UK property developers.

Ownership category

akta.pro rank

Product category

Wealth Management and Estate Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA)

Keywords

• Estate planning services
• Inheritance tax planning
• Real estate development finance
• Business relief investments
• Wealth management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Investment Management Fees: Ongoing management fees charged to investors including Ingenious Management Fee (1%) and Administration Fee (0.25%). Custodian charges of 0.1% are also applied. These fees are charged for managing investment portfolios and providing administration services.
2. One-time Fees: Ingenious Investment Fee of 1.5% and Ingenious Dealing Fee of 1% charged as one-off fees at the point of investment. Additionally, entry and exit fees of 1% apply for real estate lending products.
3. Lending Income: Ingenious Real Estate generates income through lending activities, providing development finance and bridging finance to UK property developers. Loan interest rates start from 0.85% per calendar month for development finance.
4. Insurance Integration (IEP Apex): IEP Apex includes complimentary insurance cover from day one of share allotment, providing IHT cover. While the insurance is at no additional cost, it enables the product to attract investors seeking immediate inheritance tax protection.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Ingenious is a UK private financial services group that designs, distributes and manages Business Relief-qualifying estate planning investment products for high-net-worth individuals (through the Ingenious Estate Planning suite comprising IEP Apex, IEP Private Real Estate, IEP Classic and the IEP Care Service), and provides bespoke development and bridging finance loans of £3m–£30m to UK property developers via Ingenious Real Estate. The firm also operates the myIngenious online portal for investor reporting and communications, and the IEP Investor Illustration Tool used by financial advisers to model client outcomes.

Product overview

Ingenious is a financial services investment group offering a platform of investment products primarily focused on real estate. The core offering is Ingenious Estate Planning (IEP), a platform comprising four distinct services: IEP Apex (comprehensive later life service with IHT cover), IEP Private Real Estate (real estate lending-focused), IEP Classic (real estate and legacy TMT/infrastructure lending), and IEP Care Service (care planning advisory). Additionally, Ingenious Real Estate provides development and bridging finance directly to UK property developers. The myIngenious portal serves as a client-facing reporting and communication hub, and the IEP Investor Illustration Tool enables advisers to model potential investment performance.

Differentiator

Problem solved

Functional benefit

Brands

• Ingenious Estate Planning (IEP): A suite of estate planning investment services including IEP Apex, IEP Private Real Estate, IEP Classic, and IEP Care Service, designed to deliver financial and well-being benefits in a tax-efficient manner through Business Relief.
• IEP Apex
• IEP Private Real Estate
• IEP Classic
• IEP Care Service
• Ingenious Real Estate
• myIngenious
• Carbon Impact Initiative

Products and services

• IEP Apex Most comprehensive later life estate planning service offering Inheritance Tax cover from day one of share allotment (via embedded complimentary insurance), steady growth, and a care planning service for advised investors aged 18 to 86, resident in the UK, registered with a UK doctor.
• IEP Private Real Estate Estate planning service designed to deliver financial and well-being benefits through a straightforward investment strategy targeting real estate lending in a tax-efficient manner, with a target of 3-5% per annum net of fees.
• IEP Classic Comprehensive estate planning service delivering financial and well-being benefits through an investment strategy focused on real estate asset-backed lending on development projects in a tax-efficient manner, with low volatility relative to BR-qualifying AIM index.
• IEP Care Service Specialist offering that helps clients and families make confident, informed decisions about long-term care, provided by independent care consultants from Grace Consulting with medical backgrounds and later-life care expertise.
• Ingenious Real Estate Bespoke development and bridging finance solutions for experienced UK property developers, with loan sizes from £3m to £30m, up to 70% gross loan to value and 90% loan to cost, terms of 12-30 months for development finance and 12+ months for bridging, at interest rates from 0.85% per calendar month with 1% entry and exit fees.
• myIngenious Online Portal Secure online portal allowing Ingenious investors and their financial advisers to access all reporting, communications and account documentation in one place, with password-protected secure document delivery.
• Ingenious Estate Planning (IEP) Umbrella estate planning platform encompassing IEP Apex, IEP Private Real Estate, IEP Classic and IEP Care Service, designed to deliver financial and well-being benefits through tax-efficient investment strategies using Business Relief-qualifying investments.
• IEP Investor Illustration Tool Online tool used by financial advisers to produce personalised illustrations showing how client investments might perform over time, taking into account investment performance, fees and potential withdrawals.

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• Grace ConsultingcoreImplementation/ SI/ Consulting PartnerGrace Consulting provides the IEP Care Service as independent care consultants, many with medical backgrounds and expert knowledge of later-life care. The service helps clients and families make confident, informed decisions about long-term care including hospital communication, assessment processes, care options, and finding suitable care settings. Contact: 01483 203066 or [email protected]

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Time Investments: UK investment manager focused on Inheritance Tax solutions via BR-qualifying portfolios. Direct competitor in the BR/IHT planning space that Ingenious targets through its IEP platform.
• Octopus Investments: Large UK investment platform with BR-qualifying AIM IHT planning services and direct property development finance. Competes with Ingenious across the HNW estate planning and real estate lending propositions.
• Downing LLP: UK investment manager offering Business Relief-qualifying funds, EIS/SEIS products, and direct property development lending. Directly comparable to Ingenious on both the BR estate-planning product side and the developer lending side.
• Urban Exposure: UK specialist residential development finance provider offering development and bridging loans to property developers. Direct competitor to Ingenious Real Estate's lending business.
• Maslow Capital: UK property development finance specialist providing senior and mezzanine debt to residential developers. Directly comparable to Ingenious Real Estate's £3m-£30m development loan offering.
• Alpha Real Capital: UK real estate investment manager with property debt and equity strategies. Comparable to Ingenious on the real estate lending and asset-backed investment side.
• Church House Investments: UK investment manager with BR-qualifying investment services targeting HNW investors and IFAs. Comparable to Ingenious IEP on adviser-distributed IHT planning products.

Broad incumbents

• Evelyn Partners (formerly Tilney): Major UK wealth management and professional services group that acquired Ingenious Asset Management in 2016. Competes more broadly across the UK wealth management landscape where Ingenious operates.
• Brooks Macdonald: Established UK wealth manager providing investment management and financial planning services to HNW clients. Broader incumbent competitor; Ingenious's Business Systems Director previously worked at Brooks Macdonald.
• Canaccord Genuity Wealth Management: UK wealth manager with IHT planning solutions including BR-qualifying investments, serving HNW clients via adviser and direct channels. Broader incumbent in the same UK estate planning space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles24 records

Subsidiaries17 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments10 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ingenious Media