Luke Anthony Nicholson

Reference number: 1050285

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Appointed representative

Luke Anthony Nicholson does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

HL Partnership Limited Reference number: 303397 Authorised 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.
  • Luke Anthony Nicholson (FRN 1050285) is an AR of HL Partnership Limited (FRN 303397). When you use Luke Anthony Nicholson's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Luke Anthony Nicholson, 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.

  • No website on the FCA register

  • Phone number

    07940 585979

  • Address

    10a Hicks Street, Sheffield, South Yorkshire, S3 8BL, United Kingdom

In the full report: 2 background checks

  • What kind of line 07940 585979 is
  • Who else gives the postcode S3 8BL
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Chat Mortgages Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL 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, free
    You 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.

Key dates in its history

Luke Anthony Nicholson’s history from the FCA register and Companies House, newest first.

2026

13 February 2026

  • Became an appointed representative
  • Began trading as "Chat Mortgages"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms like Luke Anthony Nicholson

Other firms of the same type (mortgage adviser or broker), nearest first.

In Sheffield

Ace Mortgages LimitedSheffieldAppointed representativeClear Mortgage ConsultantsSheffieldAppointed representativeDean KenyonSheffieldAppointed representativeHasnat SherazSheffieldAppointed representativeHelen SmithSheffieldAppointed representativeHM Mortgages LtdSheffieldAppointed representative

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 Luke Anthony Nicholson

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Luke Anthony Nicholson FCA authorised?
Luke Anthony Nicholson (FRN 1050285) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Luke Anthony Nicholson?
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. Luke Anthony Nicholson (FRN 1050285) is an AR of HL Partnership Limited (FRN 303397). When you use Luke Anthony Nicholson's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Luke Anthony Nicholson, 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.
What is Luke Anthony Nicholson’s phone number?
The FCA register lists the phone number 07940 585979 for Luke Anthony Nicholson. If you were given different contact details, use these to check with the firm before going any further.
Is Luke Anthony Nicholson a scam or clone?
Luke Anthony Nicholson is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Luke Anthony Nicholson?
Protection works through HL Partnership Limited, the principal firm responsible for Luke Anthony Nicholson's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Luke Anthony Nicholson use any other names?
It trades as Chat Mortgages.

Sources and links

The full report on Luke Anthony Nicholson

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