Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 25 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 March 2026
Responsible principal firm
The On-Line Partnership Limited Reference number: 192638 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Heritage Independent Mortgage Advisers Ltd (FRN 195629) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Heritage Independent Mortgage Advisers's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Heritage Independent Mortgage Advisers, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
-
Address
245 Epsom Road, Guildford, Surrey, GU1 2RE, United Kingdom
In the full report: 2 background checks
- What kind of line 01483 531025 is
- Who else gives the postcode GU1 2RE
Other names (3)
If you were contacted under any of these names, it is this firm.
- Heritage Independent Financial Advisers Former name: A name it was registered under before.
- Heritage Independent Mortgage Advisers Former name: A name it was registered under before.
- James Sheather Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The On-Line Partnership Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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 name
- HERITAGE INDEPENDENT MORTGAGE ADVISERS LIMITED
- Company number
- 08607926 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 July 2013 (13 years old)
- Registered office
- 245 Epsom Road, Guildford, Surrey, GU1 2RE, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Patrick Sheather | Director | Nov 1965 | 12 Jul 2013 | 2 other companies |
| Paul James Glover | Director | Jul 1974 | 15 Jun 2017 | 3 other companies |
Other companies run by these 2 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
- 5
- closed down
- 2
- still active
- 3
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Filed accounts and finances
Net assets
£60.1k
+261% from £16.6k
Employees (average)
9
+13% from 8
Owed within a year
£110k
−12% from £125k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 08607926. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Heritage Independent Mortgage Advisers’s history from the FCA register and Companies House, newest first.
2018
1 February 2018
- Paul James Glover became a part-owner (25–50% of shares)
Companies House
2016
30 June 2016
- James Patrick Sheather became a part-owner (25–50% of shares)
Companies House
2013
4 September 2013
- Changed its registered name from "James Sheather"
FCA register
12 July 2013
- Incorporated at Companies House
Companies House
2008
10 September 2008
- Changed its registered name from "Heritage Independent Mortgage Advisers"
FCA register
2005
19 April 2005
- Changed its registered name from "Heritage Independent Financial Advisers"
FCA register
2001
20 April 2001
- Became an appointed representative
FCA register
In the full report: all 10 events
- All 10 events in its history (7 shown here)
- Every director appointment and resignation: 2
Firms like Heritage Independent Mortgage Advisers
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Guildford (GU) postcode area
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 Heritage Independent Mortgage Advisers
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
Is Heritage Independent Mortgage Advisers Ltd FCA authorised?
What does appointed representative mean for Heritage Independent Mortgage Advisers?
What is Heritage Independent Mortgage Advisers’ phone number?
Is Heritage Independent Mortgage Advisers a scam or clone?
Is my money safe with Heritage Independent Mortgage Advisers?
Who owns Heritage Independent Mortgage Advisers?
Who runs Heritage Independent Mortgage Advisers?
How long has Heritage Independent Mortgage Advisers been in business?
What do Heritage Independent Mortgage Advisers’ latest accounts show?
Does Heritage Independent Mortgage Advisers use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk