Our attention to detail and award-winning approach to mortgages and insurance has led to successful long-term relationships with our clients. We help individuals, couples, families and businesses. When it comes to mortgage or cover terms, we explain every single detail, so you will never be sold a product that you do not understand.

You will always be provided with a live quote and professional advice from qualified Financial Advisers. And, when you do buy a policy through us, you will also benefit from ongoing support either face-to-face, on the phone, or via webinar. So, if you ever need to make a claim, you can count on our support every step of the way.

Your friendly, expert Mortgage and Protection Advisers.

At Intelligent Adviser, our clients are at the very heart of our business. Our award-winning approach ensures that you always receive expert, jargon-free financial advice on a range of mortgage and protection solutions.

We are very proud of the fact that most of our business is referral-based, and our new and existing clients recognise the high level of service we provide. We are fully committed to providing a seamless experience for every single one of our customers.

Our promise to you:

  • To be open, honest and transparent in how we deal with you
  • To communicate clearly, promptly and without any jargon
  • To seek your views on how we work, so we can improve
  • To always meet your expectations and beyond

Heme Lakhani

Job Title: Mortgage & Protection Adviser

“Before I became joint owner of Intelligent Adviser, I worked in the industry as a Mortgage & Protection Adviser for many years. This invaluable experience has given me a strong foundation of financial knowledge and expertise, which enables me to give professional, high-quality mortgage and insurance advice to a range of people and businesses. My main aim is to help my customers find the protection they need for their individual situation, as well as great mortgage deals.” 
In 2016, Heme won Top Life Insurance Adviser, Top General Insurance Adviser and Top Overall Protection Adviser (Pink Home Loans).

Minay Raithatha

Job Title: Mortgage & Protection Adviser

Having worked in financial services for many years before I became joint owner of Intelligent Adviser, my aim is to provide expert advice in a simple, friendly manner to all our customers. Previously, I have been a Director of another financial firm, a Financial Adviser and Protection Adviser at several firms, and I am particularly experienced in advising on new-build purchases. When it comes to mortgage and protection advice, my ethos is to offer full support to our customers for the long term.”

Over the years, Minay has won multiple awards including Protection Adviser of the Year (2012), Midlands Adviser of the Year (2014), and in 2015, Top Protection Adviser Midlands and Top Overall Protection Adviser (Pink Home Loans).

Mandy Cheung

Job Title: Mortgage & Protection Adviser

“I have been advising in mortgages and protection since 2007. Having worked with various companies has given me valuable experience and knowledge in my industry which is very important.

My goal is to look after my clients throughout their mortgage lifetime and to protect their family. I enjoy having close relationships with all of my clients and strive to help them pay their mortgage off as quickly as possible”.


Dan Robinson

Job Title: Mortgage & Protection Adviser

I have been working in financial services since the age of 18 & have seen the industry grow and change since then. I know the importance of keeping up to date with criteria which will ensure my client’s get the best possible mortgage. Knowing the mortgage market well ensures I choose the right solution for my client’s individual needs.

I pride myself in offering a great service while keeping things simple. My specialty is First time buyers but I am able to help on a range of other areas including Buy-to-Let and HMOs”.


Tony Bouckley

Job Title: Mortgage & Protection Adviser

“I specialise in all aspects of the mortgage and protection market, from helping first time buyers to get on the property ladder to re-mortgages and buy-to-let. I pride himself on ‘going the extra mile’ for my customers.

My mortgage and financial experience offers a complete suite of advice and services to my clients. The ‘total package’ of customer care is what I particularly like at Intelligent Adviser, where we take away the pressure and worry by looking after all aspects of the mortgage & protection journey”.

Dave Perry

Job Title: Mortgage & Protection Adviser

“I have been advising on mortgages and protection since around 1997, I love to help and have been helping people since then, my aim is to always ensure my clients are happy with the service I provide to them.

My area of expertise is the remortgage market, my goal is to always ensure my clients always get the best of what’s available in the market place and to ensure that they and their families are always fully protected providing peace of mind”.

Here to help

Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them.

We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.

Want to know more?

To find out more or to arrange a meeting with us, please
call 07958 632 573, or email minay@iadviser.net