Understand before sourcing
We start with the person, property and objective, not a product filter.
About Charles Frank Finance
Good advice starts with a better conversation.
Based in Cardiff, we have spent 15 years helping homeowners, landlords and business owners make confident property-finance decisions across the UK. The work can be detailed; the experience should still feel clear.
15 yearsAdvising since 2011
CardiffBased in South Wales
£millionsIn completed property finance
UK-wideClients and property deals
Why we exist
Built for cases that do not fit inside a dropdown
People rarely arrive as a neat set of numbers. Income can be complex, property can be unusual and plans can change quickly. Our job is to understand that context before deciding where the case belongs.
Across millions of pounds in completed client finance, one thing has remained consistent: people want a straight answer and a route they understand. We combine market research with judgement, then turn the result into an explanation you can act on.
Start a conversationExplain before proceeding
A recommendation should make sense before an application begins.
Stay accountable
Clear ownership and regular communication keep the case moving.
Leadership
Leadership stays close to the work
The people shaping the firm's direction remain involved in its advice standards, client experience and specialist relationships.
Founder & Managing Director
John Lugsdin
CEMAPDIPCERER
John founded Charles Frank Finance and leads the firm’s advice standards, lender relationships and long-term direction.
Director
Samantha Turner
CEMAP15+ years’ experience
Samantha brings more than 15 years of industry experience to the leadership team, with a focus on dependable service and strong case ownership.
Commercial Director, Protection
Sophie Evans
Protection leadership
Sophie leads the commercial direction of our protection proposition, keeping people and commitments central to the advice conversation.
How we work
The work behind a clear answer
Good service should feel straightforward to the client, even when the work behind the recommendation is complex.
01
Listen
Understand the objective, pressure points and complete financial picture.
02
Research
Match the case to relevant lender appetite across a broad market.
03
Recommend
Explain the suitable route, costs, trade-offs and next steps clearly.
04
Own it
Coordinate the application and keep communication moving to completion.
Accountable by design
A real firm, with standards you can check
Clear advice also means being clear about who you are dealing with. Charles Frank Finance Limited is authorised and regulated by the Financial Conduct Authority.
Recommendations should stand up to explanation.We document the advice, disclose relevant costs and keep the client objective at the centre of the process.
Regulation
FCA authorised firmView our register entry Company
Charles Frank Finance LimitedRegistered in England & Wales · 07791769Data protection
ICO registeredRegistration Z2962200 Service standard
Clear complaints processRead our complaints procedure Talk to the team
Bring us the plan. We'll help make the route clear.
Tell us what you want to achieve and where things stand today. Your first conversation is without obligation.