On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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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No phone number on the FCA register
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Address
Forum 4, Solent Business Park, Fareham, Hampshire, PO15 7AD, United Kingdom
In the full report: 1 background check
- Who else gives the postcode PO15 7AD
Other names (2)
If you were contacted under any of these names, it is this firm.
- InterBay Commercial Trading name: A name it trades under now.
- InterBay Funding Limited Former name: A name it was registered under before.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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 number
- 05595882 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 October 2005 (21 years old)
- Registered office
- The Observatory Brunel Way, Dock Road, Chatham, Kent, ME4 4AF, United Kingdom
- Nature of business
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- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jonathan Edward Hall | Director | Jan 1969 | 29 Jul 2022 | 30 other companies |
| Adrian Thomas Moloney | Director | Jun 1974 | 23 Sep 2025 | 3 other companies |
| Hugo Pires Assagra | Director | Dec 1982 | 23 Sep 2025 | 1 other company |
| Neil Alan Richardson | Director | May 1972 | 23 Sep 2025 | 2 other companies |
| Mark David Goodship | Director | Jun 1975 | 16 Feb 2026 | 11 other companies |
| Melanie Mann | Secretary | Not published | 2 Jun 2023 | – |
Other companies run by these 5 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
- 37
- closed down
- 20
- went insolvent
- 1
In the full report: all 37 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 5 on the FCA register
- The 6 companies these 5 directors run together
- All 22 people who have ever been directors, with their dates
Key dates in its history
Interbay Funding,’s history from the FCA register and Companies House, newest first.
2026
7 July 2026
- Changed its registered name from "InterBay Funding Limited"
FCA register
2023
10 May 2023
- Inter Bay Financial II Limited gave up control
- Onesavings Bank PLC took control (75–100% of shares)
Companies House
2018
2 August 2018
- Registered with the FCA
FCA register
2016
6 April 2016
- Inter Bay Financial II Limited took control (75–100% of shares)
Companies House
2005
18 October 2005
- Incorporated at Companies House
Companies House
In the full report: all 48 events
- All 48 events in its history (6 shown here)
- Every director appointment and resignation: 41
Firms connected to Interbay Funding,
Other FCA-listed firms that share a director, phone number or address with Interbay Funding,. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 3
- share its postcode
- 1
In the full report: all 4 connected firms, named
- How each is linked: shared directors (3), the same postcode (1)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Get the full report on Interbay Funding,
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 37 other companies its directors have run, named
- 1 background check on its contact details
- All 48 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Interbay Funding, Ltd. FCA authorised?
Is Interbay Funding, a scam or clone?
Is my money safe with Interbay Funding,?
Who owns Interbay Funding,?
Who runs Interbay Funding,?
How long has Interbay Funding, been in business?
Does Interbay Funding, use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk