The On-Line Partnership Limited

Reference number: 192638

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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 inpartnership.net first appeared online, and whether it can receive email
  • What kind of line 01403 214200 is, and the 3 other firms that give it
  • Who else gives the postcode RH12 1RD
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Other names (12)

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

  • Innovate Mortgages Trading name
  • In Partnership Trading name
  • AP Financial Planning Services Former trading name
  • Classic Mortgages (Lancashire) Former trading name
  • Foundation Financial Services Former trading name
  • Great Oak Financial Services Former trading name
  • IN Partnership - Scotland Former trading name
  • Reeves Financial Former trading name
  • Swift Wealth Management Former trading name
  • Town and County Partnership Former trading name
  • Town & Country Partnership Former trading name
  • Woodhatch Financial Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 · Arrange equity release 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 (23 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home purchase plan
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home purchase plan
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Arranging safeguarding and administration of assets
  • Credit Broking
  • Dealing in investments as agent
  • Debt-counselling
  • 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 a home purchase plan
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments

Limits on what they may do

  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.

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
03926063
Company status
Active
Company type
Private limited company
Incorporated
15 February 2000 (26 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Nicholas Baldry Director May 1963 25 Jan 2017 6 other companies
Haris Themis Chacholiades Director Dec 1965 15 Sep 2020 8 other companies
William Hulbert Grove Director Jul 1967 11 Mar 2021 19 other companies
Martin Victor Nelmes Director Jan 1972 1 Sep 2022 4 other companies
Lindsey Catherine Coghill Director Aug 1979 1 Sep 2022 3 other companies
Brian Christopher Galvin Director Dec 1963 25 Jan 2024 4 other companies
Lewis Robert Harvey Director Aug 1985 8 Oct 2024 3 other companies
David Felton James Metcalf Director Jan 1968 23 Jul 2025 6 other companies
Timothy Marc Bettenson Secretary Not published 11 Oct 2024 –

Other companies run by these 8 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
30
closed down
14
are FCA-registered
7

In the full report: all 30 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register
  • The 6 companies these 8 directors run together
  • All 35 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (7) All events (99)

2022

25 February 2022

  • FCA imposed a requirement (May control but not hold client money)

FCA register

2016

6 April 2016

  • On-Line Partnership Group Limited gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2000

7 August 2000

  • Regulated by the Personal Investment Authority from this date

FCA register

15 February 2000

  • Incorporated at Companies House

Companies House

In the full report: all 99 events

  • All 99 events in its history (7 shown here)
  • Every director appointment and resignation: 64
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Firms connected to The On-Line Partnership

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

connected firms
7
share a director
6
share its phone number
3

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (6), the same phone number (3), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like The On-Line Partnership

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

In Horsham

Benevolent Society of BluesHorshamAuthorisedKevin GatesHorshamAuthorisedThe Whitechurch Network LimitedHorshamAuthorised

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 On-Line Partnership

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

  • 30 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 99 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The On-Line Partnership Limited FCA authorised?
Yes, The On-Line Partnership Limited (FRN 192638) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a lender. The FCA has placed a limit on what it may do.
What is The On-Line Partnership’s phone number and website?
The FCA register lists the phone number 01403 214200 and the website inpartnership.net for The On-Line Partnership. 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 3 other FCA firms.
Is The On-Line Partnership a scam or clone?
The On-Line Partnership 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 On-Line Partnership?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The On-Line Partnership to the Financial Ombudsman Service, free of charge.
Who owns The On-Line Partnership?
Companies House lists one person with significant control of The On-Line Partnership: On-Line Partnership Group Limited (significant influence or control).
Who runs The On-Line Partnership?
Companies House lists 8 directors of The On-Line Partnership: Stephen Nicholas Baldry, Haris Themis Chacholiades, William Hulbert Grove, Martin Victor Nelmes, Lindsey Catherine Coghill, Brian Christopher Galvin and 2 more.
How long has The On-Line Partnership been in business?
The company was formed on 15 February 2000, and has held its current FCA authorisation since December 2001.
Does The On-Line Partnership use any other names?
It trades as Innovate Mortgages and In Partnership. It has previously used 10 other names, including AP Financial Planning Services, Classic Mortgages (Lancashire) and Foundation Financial Services.

Sources and links

The full report on The On-Line Partnership Limited

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