The ER Network Ltd

Reference number: 447808

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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.

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
  • The ER Network Ltd (FRN 447808) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The ER Network's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The ER Network, 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.

In the full report: 3 background checks

  • When ernetwork.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 378 1085 is
  • Who else gives the postcode G1 3DX
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Other names (85)

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

  • Pivotal Financial Planning Trading name
  • Abbey Financial Associates Former trading name
  • ABC Mortgages Former trading name
  • Alba Mortgage Solutions Former trading name
  • Angus Mortgage Services Former trading name
  • Anison Mortgage Services Former trading name
  • APM Mortgage Link Former trading name
  • Armstrongs Former trading name
  • Autograph Financial Protection Former trading name
  • Axis Mortgage Consultants Former trading name
  • Bespoke Protection & Mortgages Former trading name
  • Best For Advice Former trading name
  • BM Financial Former trading name
  • Bright Mortgages & Finance Former trading name
  • Bureau of Independent Mortgage Advice Former trading name
  • Caledonian Mortgage Solutions Former trading name
  • Carnegie Financial Solutions Former trading name
  • Coulson Cave & Lindsey Former trading name
  • DC Mortgages Former trading name
  • D M Financial Services Former trading name
  • DSE Financial Services Former trading name
  • EMD Financial Solutions Former trading name
  • Encore Financial Former trading name
  • Equity Release Scotland Former trading name
  • Family Asset Financial Services Former trading name
  • Financial Solutions Former trading name
  • First Choice Mortgages Former trading name
  • Five River Finance Former trading name
  • GA Mortgages Former trading name
  • GHS Financial Solutions Former trading name
  • GHS Mortgages Former trading name
  • GJ Financial Services Former trading name
  • Gower Mortgages Former trading name
  • GT Financial Former trading name
  • Guardian Property Former trading name
  • Hamilton Mortgage Centre Former trading name
  • Heritage Mortgage Advice Former trading name
  • Holmes 4 Mortgages Former trading name
  • Homefinders Financial Services Former trading name
  • Home Mortgages Former trading name
  • Hunter Mortgages Former trading name
  • Independent Mortgage Planning Former trading name
  • Inverclyde Financial Management Former trading name
  • JD Mortgages Former trading name
  • Jim Maltman Associates Former trading name
  • JL Mortgages Former trading name
  • JMC Financial Services Former trading name
  • JW Mortgage Services Former trading name
  • Kelly Insurance & Finance Former trading name
  • Key 2 Mortgages Former trading name
  • KJA Mortgages Former trading name
  • Loans 4 Homes Former trading name
  • Mc Daid Mortgages Former trading name
  • Mortgages4forces Former trading name
  • Nicholas E Harrison Former trading name
  • Options & Choices Financial Services Former trading name
  • Paisley Mortgage Centre Former trading name
  • Park Lane Former trading name
  • PDS Mortgage Services Former trading name
  • Pension Advice London Former trading name
  • Pivotal Wills Former trading name
  • Platinum Mortgages Former trading name
  • Premier Choice Finance Former trading name
  • Premier Choice Mortgages Former trading name
  • Prospect Scotland Former trading name
  • RG Financial Former trading name
  • RH Mortgages Former trading name
  • RML Financial Management Former trading name
  • Robert Harrison Mortgage Matters Former trading name
  • Robert Harrison Mortgages Former trading name
  • Robert W Mullan ( Mortgages ) Former trading name
  • Safehome Mortgages Former trading name
  • Simple Wealth Management Former trading name
  • SJS Financial Solutions Former trading name
  • Stewart Mortgage Solutions Former trading name
  • Swift Mortgage Services Former trading name
  • Tailored Finance Former trading name
  • Target Financial Planning Former trading name
  • The Mortgage Cafe Former trading name
  • The Mortgage Package Former trading name
  • The Mortgage Surgery Former trading name
  • The Park Financial Services Former trading name
  • Thinking Mortgages Former trading name
  • Tip Top Mortgages Former trading name
  • UK Mortgage Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company name
THE ER NETWORK LIMITED
Company number
SC292243
Company status
Active
Company type
Private limited company
Incorporated
26 October 2005 (21 years old)
Registered office
Pavilion 1 Finnieston Business Park, Minerva Way, Glasgow, G3 8AU, Scotland
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Eddie Chisholm Director Sep 1963 26 Oct 2005 1 other company
Stuart Carmichael Director Jan 1986 2 Jun 2026 None
Rhona Galbraith Secretary Not published 26 Oct 2005 –

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

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
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£26.4k

−37% from £41.9k

Cash at bank

£33.3k

−39% from £54.9k

Employees (average)

1

Same as 1

Owed within a year

£7,132

−66% from £20.7k

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
Instant PDF download
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 SC292243. 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 ER Network’s history from the FCA register and Companies House, newest first.

Key events (6) All events (179)

2025

31 October 2025

  • Eddie Chisholm became a part-owner (25–50% of shares)
  • Edmund Chisholm stopped being a part-owner

Companies House

2016

6 April 2016

  • Edmund Chisholm became a part-owner (25–50% of shares)
  • Rhona Galbraith became a part-owner (25–50% of shares)

Companies House

2006

6 February 2006

  • Became an appointed representative

FCA register

2005

26 October 2005

  • Incorporated at Companies House

Companies House

In the full report: all 179 events

  • All 179 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms connected to The ER Network

Other FCA-listed firms that share a director, phone number or address with The ER Network. 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
Instant PDF download

Firms like The ER Network

Other firms of the same type (financial adviser), nearest first.

In Glasgow

A and A Accounting LtdGlasgowAppointed representativeA Henderson Financial Planning LtdGlasgowAppointed representativeAlexander Campbell McLaughlanGlasgowAppointed representativeAnderson Mortgages (Scotland) LimitedGlasgowAppointed representativeAnthony Blake Financial Planning LtdGlasgowAppointed representativeBlackmount Private Wealth LimitedGlasgowAppointed 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 The ER Network

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 179 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The ER Network Ltd FCA authorised?
The ER Network Ltd (FRN 447808) 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 The ER Network?
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. The ER Network Ltd (FRN 447808) is an AR of Quilter Financial Services Limited (FRN 440703). When you use The ER Network's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The ER Network, 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 The ER Network’s phone number and website?
The FCA register lists the phone number 0141 378 1085 and the website ernetwork.co.uk for The ER Network. If you were given different contact details, use these to check with the firm before going any further.
Is The ER Network a scam or clone?
The ER Network 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 The ER Network?
Protection works through Quilter Financial Services Limited, the principal firm responsible for The ER Network's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The ER Network?
Companies House lists 2 people with significant control of The ER Network: Mr Eddie Chisholm (25–50% of shares) and Miss Rhona Galbraith (25–50% of shares). Before that, it was controlled by Mr Edmund Chisholm.
Who runs The ER Network?
Companies House lists 2 directors of The ER Network: Eddie Chisholm and Stuart Carmichael.
How long has The ER Network been in business?
The company was formed on 26 October 2005.
What do The ER Network’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £26.4k (−37% from £41.9k) and cash at bank of £33.3k (−39% from £54.9k).
Does The ER Network use any other names?
It trades as Pivotal Financial Planning. It has previously used 84 other names, including Abbey Financial Associates, ABC Mortgages and Alba Mortgage Solutions.

Sources and links

The full report on The ER Network Ltd

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