Are you a mortgage broker in Cardiff?

Yes. Charles Frank Finance is based in Taffs Well, Cardiff, and advises homeowners, landlords and businesses across the UK. Local knowledge can help with Welsh property questions, and our lender panel covers the whole of the UK.

Which lenders do you use?

We work with a broad panel of lenders and providers across mortgages, secured loans, bridging, commercial finance and protection. Your adviser will explain which lenders were considered for your case and why. What is available still depends on your circumstances and eligibility.

Can I see how my case is progressing?

Yes. Once you go ahead, you get your own secure client portal to upload documents, track each stage of your case and message your adviser, so you are not chasing for updates.

Do I need to know which mortgage I want?

No. Start with your goal, budget and circumstances. Your adviser will explain the available routes and why one may be more appropriate than another.

Can you help with complex income or credit history?

Yes. Self-employed income, contracting, portfolio borrowing and previous credit issues are common reasons clients speak to a specialist broker.

When should I speak to a mortgage adviser?

Ideally, speak to an adviser before making an offer or several months before an existing mortgage deal ends. Starting early gives you more time to understand affordability, likely costs and the available routes.

What information should I have ready?

A rough picture is enough for the first conversation. It helps to know your income, regular commitments, available deposit or property value, existing mortgage balance and what you want to achieve.

Mortgages · Secured loans · Bridging · Protection

Mortgages for real lives, not perfect paperwork.

Self-employed, past credit problems, a second charge or a deadline to hit: a Cardiff team that has handled specialist cases since 2011 works out your options, and tells you straight when borrowing more isn't the answer.

Start an enquiry Call 029 2167 0142

Specialist cases since 2011 One named adviser Authorised and regulated by the FCA

Victorian homes overlooking a green open space

Your caseSample

Application submitted
Documents uploaded
Valuation booked
Offer

Your adviser: Valuation is Tuesday at 10am. Nothing needed from you.

Our products

Mortgages, secured loans, bridging and protection

Home ownership

First charge mortgages

First-time buyers, home movers and remortgages, compared across our lender panel and managed through to completion.

Explore options Secured borrowing

Second charge mortgages

Release equity for improvements, consolidation or major costs while keeping your existing mortgage in place.

Explore options Investment

Buy-to-let

First-time landlords, portfolios and limited companies.

Explore options Short-term finance

Bridging finance

Short-term property finance when timing or complexity matters.

Explore options Protection

Life insurance

Cover designed around the people and commitments that matter.

Explore options

People and families moving through a British city centre

Why Charles Frank

Advice for the cases other brokers find awkward.

Most people don't fit a lender's ideal profile. Since 2011 we have worked with self-employed clients, landlords, people rebuilding their credit and homeowners who need to borrow without remortgaging.

One named adviser from first call to completion
Your own client portal to upload documents, track progress and message your adviser
The total cost explained, not just the monthly payment
A straight answer when borrowing more isn't right for you

Meet the team

How it works

Your journey, made simple

Four clear stages, with the same team alongside you throughout.

Step 01

Free conversation

Tell us what you are planning. We listen first and explain the likely routes.

Step 02

We search

We compare lenders on our panel against your actual circumstances, not a generic profile.

Step 03

We handle it

Your named adviser manages the application, paperwork and lender communication.

Step 04

You move forward

We keep the case moving and remain available after completion.

Experience that counts

15 years of knowing what moves a case forward.

Market access matters, but experience is knowing where to look, what a lender needs and how to keep momentum when circumstances are not straightforward.

Established 2011

15years of specialist finance experience

Helping clients make sense of mainstream and specialist mortgage options since 2011.

A broad lender panel

We assess the complete cost, criteria and fit across our panel, not only the headline rate.

Clear, human guidance

Direct explanations and useful updates, with a real team available when you need an answer.

Ownership to completion

We coordinate documents, lenders and progress so the case keeps moving after the recommendation.

Google Reviews

Client feedback

In our clients’ own words.

Clear advice and steady communication matter most when a mortgage or secured loan has lots of moving parts.

“Great Team and service at Charles Frank Finance. Fast and responsive when I had questions and queries and helped me out with what I needed. Updated me on all stages. Would highly recommend them if you are in need of a mortgage or secured loan.”

Frequently asked

A clearer place to start

You do not need every answer before speaking to an adviser.

Charles Frank Finance is a Cardiff-based mortgage and specialist finance broker, established in 2011. We advise homeowners, landlords and businesses across the UK on mortgages, secured loans, bridging, commercial finance and protection. We research lenders and explain suitable options; we do not lend the money ourselves.

Your next step

Ready to understand your options?

Tell us what you are planning and a Charles Frank adviser will explain the most useful next step.

Start an enquiry Contact the team