© Nicholls & Associates. All rights reserved. The Online Mortgage Shop (TOMS) is a trading name of Nicholls & Associates, University of Essex Business Centre, Elmer Approach, Southend on Sea, Essex, SS1 1LW. Nicholls & Associates is authorised and regulated by the Financial Services Authority. The Financial Services Authority does not regulate some forms of mortgages. This site is only directed at persons within the UK. FSA register number 477962.