Tandem Home Loans Limited

Reference number: 661248

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When tandem.co.uk first appeared online, and whether it can receive email
  • What kind of line 01253 603951 is, and the 4 other firms that give it
  • Who else gives the postcode FY4 2FB
Instant PDF download
Other names (4)

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

  • Tandem Trading name: A name it trades under now.
  • 1st Stop Home Loans Limited Former name: A name it was registered under before.
  • Oplo HL Ltd Former name: A name it was registered under before.
  • Oplo Former trading name: A name it used to trade under.

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (17 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts
  • Providing Credit Information Services

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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 status
Active
Company type
Private limited company
Incorporated
5 January 2006 (20 years old)
Registered office
Viscount Court, Sir Frank Whittle Way, Blackpool, FY4 2FB, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen John Beard Director Apr 1977 10 Jun 2014 4 other companies
Neil Chandler Director Sep 1971 30 Jun 2025 11 other companies
Marriam Malik Secretary Not published 24 Mar 2025 –

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
13
closed down
2
went insolvent
2

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 4 on the FCA register, including one no longer authorised
  • The 2 companies these 2 directors run together
  • All 13 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Tandem Home Loans’s history from the FCA register and Companies House, newest first.

2023

16 January 2023

  • Changed its registered name from "Oplo HL Ltd"

FCA register

2020

3 August 2020

  • Changed its registered name from "1st Stop Home Loans Limited"

FCA register

2016

15 April 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

6 April 2016

  • Oplo Group Ltd took control (75–100% of shares)

Companies House

2006

5 January 2006

  • Incorporated at Companies House

Companies House

In the full report: all 35 events

  • All 35 events in its history (7 shown here)
  • Every director appointment and resignation: 24
Instant PDF download

Firms connected to Tandem Home Loans

Other FCA-listed firms that share a director, phone number or address with Tandem Home Loans. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
4
share its phone number
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same phone number (4), the same postcode (1)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Tandem Home Loans

Other firms of the same type (mortgage lender), nearest first.

Elsewhere in the UK

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 Tandem Home Loans

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 35 events in its history
  • 4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Tandem Home Loans Limited FCA authorised?
Yes, Tandem Home Loans Limited (FRN 661248) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a mortgage lender. The FCA has placed a limit on what it may do.
What is Tandem Home Loans’ phone number and website?
The FCA register lists the phone number 01253 603951 and the website tandem.co.uk for Tandem Home Loans. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms.
Is Tandem Home Loans a scam or clone?
Tandem Home Loans 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 Tandem Home Loans?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Tandem Home Loans to the Financial Ombudsman Service, free of charge.
Who owns Tandem Home Loans?
Tandem Home Loans is owned by Oplo Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Tandem Home Loans?
Companies House lists 2 directors of Tandem Home Loans: Stephen John Beard and Neil Chandler.
How long has Tandem Home Loans been in business?
The company was formed on 5 January 2006, and has held its current FCA authorisation since April 2016.
Does Tandem Home Loans use any other names?
It trades as Tandem. It has previously used 3 other names: 1st Stop Home Loans Limited, Oplo HL Ltd and Oplo.

Sources and links

The full report on Tandem Home Loans Limited

£19.99 · Instant PDF download

Loading secure checkout…