Second charge & specialist lending for IFAs and introducers
New: voice-to-applicationRefer the case. Keep the client.
Quote it while they’re sat with you, capture it by talking to your phone, and watch every step until your commission is paid. Charles Frank does the specialist work. Your client stays yours.
- Live quotes and DIPs
- Applications from a voice note or photo
- Every case tracked to completion
- Consent and audit trail built in
FCA authorisedSpecialist finance broker since 2011Commission within 48 working hours of completion
How every referral is handled
Every referral, done right from the start.
Your referrals run through our introducer portal, which guides each case through the right steps before it moves on. If something’s missing, the portal flags it, and a Charles Frank specialist checks every case before it goes to a lender.
You can see your case’s progress at any time.
- 01
Guided from the first step.
The portal shows what each case needs at every stage, so it arrives complete and nothing is missed.
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Progress you can see.
Track every case from submission to completion, with your client’s documents and our updates in one place.
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Checked before it goes out.
A Charles Frank specialist reviews your case before it goes to a lender, so gaps are fixed early, not after an offer.
Portal checks support the advice process. They are not compliance sign-off.
Our introducer portal · Powered by Archway
Specialist lending, rebuilt for how advisers actually work.
Submit a case by voice, photo or document
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Start a quote, then capture the case.
Photograph your notes, upload a document, or tap record and talk.
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The application fills itself in.
The portal fills in the application for you, debts and all, and turns anything missing red.
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Check it and submit.
Check it’s right and submit. On a clean capture, that’s three clicks: open, talk, send.
What slows advisers down:
- no live quotes,
- waiting on DIPs,
- re-keying into lender systems,
- silence after the handover.
Our portal puts it right.
The portal connects to lenders on our panel, so quotes and DIPs come back quickly and nothing is keyed twice. A Charles Frank specialist checks every case before it goes to a lender.
It fills in what it can and shows you what’s missing, so you stay in control of what goes in.
What’s new for introducers
Talk, don’t type.
Dictate a case or photograph your notes, and the application fills itself in.
Every debt, captured once.
One debt or many, each is recorded and worked into the case automatically.
Live, not “we’ll get back to you.”
Pricing and case progress update as they happen.
A new way to introduce business to Charles Frank
The phone call that hands your client over? That’s the old way.
Until now, introducing a case meant a phone call and handing your client across. Now you stay in it. You quote it, capture it, submit it and watch it through to completion in your own portal, with the same specialists behind it, working the way the job actually gets done.
Your name on the introduction, your view of every step, your client at the end of it. We only advise on what you refer, and we never cross-sell. Refer with us, and they’re still your client next time.
Client retention for introducers
Be the first call when their deal ends.
We’re not in the business of taking your clients. We’re in the business of bringing them back to you.
The fixed-rate cliff edge is where introducers often lose a client. Months before a deal ends, the client’s mortgage lender gets in touch with a new rate, and by the time the client thinks to call you, it has already rolled over.
The portal knows when each client’s deal ends, who their mortgage is with, and when that lender usually starts the renewal conversation. Ahead of that window, you get an alert: your client’s rate is ending, here are the products they could be eligible for, and now is the time to call, before their lender does.
Keeping the client doesn’t stop at completion.
A secure client portal for every referral
Your client gets a portal too.
Give your client their own secure login to upload documents, track progress and talk to their Charles Frank specialist directly, with no attachments flying around by email. They get a professional experience with your introduction on it, and you stay out of the document chase.
How introducers evidence second charge advice
Built for what the regulator expects now.
Second charge advice is under close FCA scrutiny following the March 2026 review, especially on debt consolidation, affordability and record-keeping. So the portal builds those in from the start. Every debt is captured and worked into the case, every decision is recorded, and a complete audit trail sits behind every client, ready when you need it.Read the adviser guide to the FCA review →Try the break-even calculator →
The right process by default. Not by crossing your fingers.
Client details sent to an inbox. Attachments sitting in a thread. It’s how many cases still move, and it works right up until the day someone asks you to prove it. Every case through Charles Frank runs in a secure portal, with consent captured, the client’s full debt picture recorded, and a complete trail of who shared what and when. Consent, the debt picture and the audit trail are kept with the case, so you can show your working.
The full record sits behind every case, ready whenever you need it.
For the introducer
Protect your own file.
When a complaint arrives years later, the question is often “who introduced this client, and why?”
Our short introducer note records why you referred the client, in under three minutes, and keeps it with the case.
A free introducer note template is coming soon.
Debt consolidation
Fair by design.
For debt consolidation cases, the portal flags where consolidating may not help the client, and a Charles Frank specialist checks the case, including the break-even term, before it goes to a lender.
If a case isn’t right for the client, we’ll tell you.
Portal checks support the advice process. They are not compliance sign-off.
What you get as a Charles Frank introducer
Everything a case needs, in one portal.
Run by the same Charles Frank specialists who place your cases.
- Live quotes and DIPs from our lender panel
- Every case tracked through to completion
- Applications drafted from a voice note or photo
- Client consent and a full audit trail, built in
- A client portal with your introduction on it
- Commission you can see, through to paid
- Renewal alerts with eligible products, timed to each client’s lender
We only advise on what you refer, and we never cross-sell. Your client stays yours.
Introducer questions
How referring through Charles Frank works
How do I refer a client to Charles Frank?
- Register for portal access as an authorised introducer. You can quote the case live, capture it by voice or photo, and submit it. A Charles Frank specialist then runs it while you track progress to completion.
Will I lose my client if I refer to Charles Frank?
- No. We only advise on what you refer, and we never cross-sell to your client. The relationship stays yours: you see every step in your portal, and your client's portal carries your introduction.
How does Charles Frank help me keep my clients after completion?
- The portal records when each client's mortgage deal ends and which lender it is with. Lenders contact borrowers about renewal at different times, so you get an alert timed to that lender's renewal window, with the products your client could be eligible for, and can speak to them before their lender does.
Can I check a case without entering client details?
- Yes. The scenario checker on this page needs only the property value, first charge balance and loan amount, and works out the combined loan to value. It asks for no client name or personal data. Once you register, the portal quotes live across our lender panel.
Who can become an introducer?
- IFAs, directly authorised firms, appointed representatives and professional introducers can all register. Charles Frank verifies your FRN as part of registration.
Can I keep the advice and just use you for packaging?
- Yes. Directly authorised firms can stay the adviser of record while Charles Frank sources, packages and manages the case with the lender.
How does Charles Frank handle debt consolidation cases?
- Each client's debts are captured individually and worked into the application. Affordability inputs and decisions are recorded on the case file, so the full record is there whenever it's needed.
What technology does Charles Frank use?
- Our introducer portal is powered by Archway, specialist lending software from Archway Software Limited, a separate company. It lets introducers quote live, create applications from a voice note or photo, and track every case to completion in a secure portal.
How and when am I paid?
- Commission is paid within 48 working hours of completion, and every case stays visible in your portal until it's paid.
What types of case can I refer?
- Second charge, bridging, residential, buy-to-let, commercial, equity release, and life and protection. We only advise on the product area you refer.
Be among the first introducers to work this way.
Register for portal access, or talk it through with Samantha Turner first. Registration includes a quick FRN check, because this portal is for authorised introducers only.
Samantha Turner, Relationship Director · 029 2167 0142
Charles Frank Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 624668). Registered in England & Wales, company no. 07791769. Registered office: 89 Cardiff Road, Taffs Well, Cardiff CF15 7PL. ICO registration Z2962200. This page is intended for FCA‑authorised intermediaries and professional introducers, not retail clients.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.