The Chester Partnership Ltd: FCA regulated?

No longer an appointed representative

This firm is still listed on the FCA register, but the record is closed. Cover on business done while it was authorised generally still applies, and it cannot take on new regulated business. Registration ended 23 December 1999.

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.

Last known website

chesterpartnership.co.uk
Last known phone number

0151 328 5678
Last known address

Oaklands Business Centre, Hooton Road, Hooton, Ellesmere Port, Cheshire, CH66 7NZ, United Kingdom

In the full report: 3 background checks

When chesterpartnership.co.uk first appeared online, and whether it can receive email
What kind of line 0151 328 5678 is
Who else gives the postcode CH66 7NZ

Other names (12)

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

acheapermortgage.co.uk Trading name: A name it trades under now.
Later Life Money Matters Trading name: A name it trades under now.
Medical Money Matters Trading name: A name it trades under now.
A Cheaper Mortgage Former trading name: A name it used to trade under.
Celyn Former trading name: A name it used to trade under.
Exclusive Mortgage Advice Services Former trading name: A name it used to trade under.
Future Mortgages Former trading name: A name it used to trade under.
Liam Duggan Financial Services Former trading name: A name it used to trade under.
Mortgage Protect Insure Former trading name: A name it used to trade under.
mortgageprotectinsure.co.uk Former trading name: A name it used to trade under.
Ted Robertson Former trading name: A name it used to trade under.
The Chester Partnership Mortgage Services Former trading name: A name it used to trade under.

Past FCA permissions and consumer protection

The record is closed
Cover you already have generally survives the cancellation: FSCS exists for firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading, as long as the business was done while it was authorised. New business with this firm has no cover at all, because it is no longer permitted to carry it out.

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: 03792973 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 16 June 1999 (27 years old)
Registered office: Oaklands Office Park, Hooton Road, Hooton, Cheshire, CH66 7NZ
Nature of business: Life insurance (SIC 65110)
Non-life insurance (SIC 65120)
Pension funding (SIC 65300)
Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Keith Anthony Millington	Director	Dec 1956	16 Jun 1999	1 other company
John Stephen Riddiough	Director	Dec 1960	16 Jun 1999	1 other company
John Stephen Riddiough	Secretary	Not published	16 Jun 1999	1 other company

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 company: 1
closed down: 1
run together: 1

In the full report: all 1 company, 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
The 1 company these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£24.5k

+14% from £21.5k

Cash at bank

£183k

−6.8% from £197k

Employees (average)

10

Same as 10

Owed within a year

£300k

−9% from £330k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2025
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 03792973. 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

The Chester Partnership’s history from the FCA register and Companies House, newest first.

Key events (4) All events (37)

2016

31 December 2016

John Stephen Riddiough gained significant control
Keith Anthony Millington gained significant control

Companies House

1999

23 December 1999

Stopped being an appointed representative

FCA register

16 June 1999

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms connected to The Chester Partnership

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Get the full report on The Chester Partnership

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

1 other company its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 37 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Chester Partnership Ltd FCA authorised?

No. The Chester Partnership Ltd (FRN 193484) is still listed on the FCA register, but the record is closed: no longer an appointed representative.

Is The Chester Partnership a scam or clone?

The Chester Partnership is not currently authorised by the FCA. Be cautious and verify any firm on the FCA register before dealing with it.

Is my money safe with The Chester Partnership?

Money you handed over while it was authorised generally keeps its protection: FSCS covers firms that have failed, and the Financial Ombudsman Service can look at a complaint about a firm that has stopped trading. New business with The Chester Partnership has no cover, because it is no longer permitted to carry it out.

Who owns The Chester Partnership?

Companies House lists 2 people with significant control of The Chester Partnership: Mr Keith Anthony Millington (significant influence or control) and Mr John Stephen Riddiough (significant influence or control).

Who runs The Chester Partnership?

Companies House lists 2 directors of The Chester Partnership: Keith Anthony Millington and John Stephen Riddiough.

How long has The Chester Partnership been in business?

The company was formed on 16 June 1999.

What do The Chester Partnership’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £24.5k (+14% from £21.5k) and cash at bank of £183k (−6.8% from £197k).

Does The Chester Partnership use any other names?

It trades as acheapermortgage.co.uk, Later Life Money Matters and Medical Money Matters. It has previously used 9 other names, including A Cheaper Mortgage, Celyn and Exclusive Mortgage Advice Services.