CLEVER FINANCIAL SERVICES LTD

What CLEVER FINANCIAL SERVICES LTD does

Clever Financial Services Ltd is an FCA-authorized UK retail financial advisory firm operating as a trading style of M & M Financial Services Ltd, a private limited company domiciled in the United Kingdom. From its headquarters at 187 Kenton Road, Harrow, with a secondary office in Tottenham (North London), the firm provides a whole-of-market advisory stack spanning mortgage broking (residential, remortgage, buy-to-let, specialist structures), protection (life assurance, income protection, critical illness, private medical), financial planning, savings and investments (ISAs, unit trusts, OEICs, bonds), pensions (SIPP, SSAS, drawdown, annuities), business protection (key person, relevant life, directors' benefits), wealth management, and tax planning (income, capital gains, inheritance). The firm is led by Director and Financial Adviser Bhavik Goradia, with over 12 years of industry experience, and operates with a small team of 1-10 people.

The business model is a professional-services model under FCA authorization, generating revenue through advisory fees and product commissions on mortgage placements, protection policies, pensions, and investment products sourced from a broad panel of UK lenders and providers. Service delivery is consultative and face-to-face-led, with initial consultations leading to personalized financial plans, fee disclosure during the planning phase, and ongoing reviews intended to support long-term client relationships and referral-based growth. The firm complements its in-person advisory model with UK-wide remote consultations via phone (0203 953 5000) and a 'Request a Call Back' website feature, alongside a suite of client-facing online financial calculators. Underlying technology is intentionally limited: no proprietary platform, app, or API is disclosed, with the firm relying on third-party portfolio monitoring integrations (Transact, Aegon) and its website for client-facing tooling. Customer base is concentrated in UK individuals and small-business owners, including first-time buyers, remortgagors, buy-to-let investors, families seeking protection, retirement planning clients, and business owners seeking key-person and shareholder cover.

Distribution is direct-to-consumer and primarily referral-driven, supported by digital presence (website, newsletter, market data tools) and word-of-mouth testimonials. The firm is a member of the Quilter network of approved advisers and is registered with the Financial Services Compensation Scheme and Financial Ombudsman Service, providing the regulatory and consumer-protection infrastructure expected of a UK retail adviser. There are no disclosed M&A transactions, funding rounds, patents, awards, or regulatory actions in the source data.

Name

CLEVER FINANCIAL SERVICES LTD

Legal name

M & M Financial Services Ltd

Website

https://cleverfs.co.uk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Clever Financial Services is an FCA-authorized UK financial advisory firm providing mortgage broking, protection, pensions, savings and investments, wealth management, and taxation advice. It serves individual consumers and small-business owners across the United Kingdom from offices in Harrow and Tottenham via direct, referral-led advisory engagements.

Ownership category

akta.pro rank

Headquarters

HQ city

Harrow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees: Clever Financial Services generates revenue through financial advisory fees. As an FCA-authorized firm, they provide paid financial advice on mortgages, protection, pensions, investments, and wealth management. The firm follows a structured advisory process with initial consultations leading to personalized financial plans, with fees disclosed during the planning phase. They work with hundreds of mortgage and financial product providers, typical of UK financial adviser revenue models.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Clever Financial Services (trading as M & M Financial Services Ltd) is an FCA-authorized UK financial advisory firm that provides mortgage brokering, protection insurance, financial planning, savings and investment advice, pensions and retirement planning, wealth management, and taxation advice. The firm delivers tailored, face-to-face advisory services from offices in Harrow and Tottenham, with nationwide remote consultations, supported by a suite of online financial calculators.

Product overview

Clever Financial Services is a financial advisory firm offering a comprehensive range of financial services through its website and advisors. The core offerings include mortgages (covering various types such as fixed-rate, tracker, offset, and buy-to-let), protection products (life assurance, income protection, critical illness), pensions and retirement planning, savings and investments, business protection, wealth management, and taxation advice. The firm also provides a suite of online financial calculators for client use. All services are delivered through a team of financial advisers based in Harrow, Middlesex and Tottenham, North London, with clients served throughout the United Kingdom. The company is authorised and regulated by the Financial Conduct Authority (FCA).

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Successfully arranged mortgages during periods of market volatility with lenders pulling out offers
• +2 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Four partnerships are on record, tiered minor.

• QuilterminorOthersQuilter is a UK-based wealth management company. Clever Financial Services is listed as a member of Quilter, suggesting they may be part of Quilter's network of approved advisers or aligned with their financial planning platform.
• Financial Services Compensation Scheme (FSCS)minorOthersFSCS is the UK's statutory compensation scheme for customers of authorized financial services firms. Membership provides client protection up to £85,000 per person per firm for eligible claims.
• Financial Conduct Authority (FCA)minorOthersFCA is the UK's financial regulator. Clever Financial Services (trading as M & M Financial Services Ltd) is authorized and regulated by the FCA, subject to their rules and oversight.
• Financial Ombudsman ServiceminorOthersFinancial Ombudsman Service provides dispute resolution for financial services complaints. Membership indicates consumer protection mechanisms are in place.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• London & Country Mortgages: One of the UK's largest independent mortgage brokers, accessing a wide range of lender products for residential, BTL and remortgage clients — directly comparable to Clever Financial Services' mortgage brokering core, but operating at significantly greater scale.
• John Charcol: Long-established UK mortgage broker offering whole-of-market advice across residential, BTL and complex income cases (e.g. company directors), directly overlapping Clever Financial Services' complex-affordability remortgage and BTL positioning.
• Tembo Money: UK mortgage broker expanding into a broader home-buying platform with adviser support — overlapping Clever Financial Services' mortgage core but offering a digital-first, scaled delivery model aimed at first-time buyers.
• Habito: Digital-first UK mortgage broker (which absorbed Trussle) offering whole-of-market residential and BTL advice via an online journey — directly competing for the same first-time-buyer and remortgage segments as Clever Financial Services, with a stronger tech layer.
• Chelsea Financial Services: UK financial adviser and investment platform offering ISAs, pensions, investments and wealth planning to retail clients — directly comparable in product mix and target customer to Clever Financial Services' advisory business.

Broad incumbents

• Quilter: UK wealth management platform whose adviser network already includes Clever Financial Services. Comparable as a multi-product investment, pension and protection platform serving UK retail clients — a far larger incumbent the firm partners with.
• Hargreaves Lansdown: UK's largest direct-to-consumer investment and pension platform — overlaps Clever Financial Services' savings & investments and pension product lines, competing for the same retail client wallet with a scaled digital proposition.
• St. James's Place: Large UK wealth management group with a national adviser network offering investment, pension and wealth planning to affluent retail clients — directly comparable product set to Clever Financial Services' wealth management and pensions lines, at much greater scale.
• Mortgage Advice Bureau: Listed UK mortgage broker network with thousands of advisers across the country — overlaps Clever Financial Services' residential and BTL mortgage business but operates as a national network with much greater scale and brand recognition.

Emerging players

• Bestinvest: UK investment platform offering ISAs, SIPPs and managed portfolios with integrated financial planning — comparable in target customer and investment/pension product set, competing as a more scalable alternative to a small advisory firm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/CleverFSL
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/clever-financial-services-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CLEVER FINANCIAL SERVICES LTD