Female with nothing on: the sweetheart (4-4)

I believe the answer is:

lady-love

'the sweetheart' is the definition.
(I've seen this before)

'female with nothing' is the subsidiary indication.
'female' becomes 'lady' (lady is a kind of female**).
'with' means one lot of letters go next to another.
'nothing' becomes 'love'.
'lady'+'love'='ladylove'

'on' is the link.

(Another definition for lady-love that I've seen is " Sweetheart".)

I've seen this clue in The Telegraph.

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