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JOHN LUGSDIN CEMAP

Managing Director

Principle & Founder of Charles Frank Finance
Married to Claire a solicitor, father to Isabelle & Anna. Loves all sports & long walks with the family dog, Mabel.

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GARETH JAMES CEMAP CERER

Sales Director

Gareth loves watching and playing football.  He spends most of his time on the coast with his wife Rachel and 2 children and loves live music, going to the movies and keeping fit.

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CREIG HEARSE CEMAP

Director Of Specialist Lending

Creig is with his long term partner Rebecca and has 5 Children.  Loves spending time on the beach with his family.  He really enjoys watching football especially Spurs in his spare time.

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KEIRON PUGSLEY CEMAP

Senior Mortgage Advisor

Keiron has two young children and has a partner called Stacey. His interests include listening to music and attending gigs, watching football and taking his dog for a walk

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DANIEL BREWSTER CEMAP

Senior Mortgage Advisor

Daniel has been in the specialist mortgage market for a decade.  He has two boys, Oliver and Austin and dog called Molly. When he's not in work you can find him running around for his boys, watching the football or spending time with his partner Amy

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SAM JONES

Commercial Director

Sam is Mum to two teenagers with her longtime partner Ed. An animal lover and country girl at heart when not at her desk Sam is found walking her Welsh collie, bread making or feeding her pet magpie Merlin!

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SOPHIE EVANS

Operations Manager

Sophie has a cat called Richard and in her spare time enjoys socialising with friends and travelling. Her interests include music, thrifting and finding the best seafood restaurants all over the UK.

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JO FITZGERALD CEMAP

Mortgage Advisor

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STEVE BRYANT CEMAP

Mortgage Advisor

Steve is married to Abigail, he has 3 teenage daughters. When not working and taxiing his daughters around,  Steve enjoys watching most sports and listening to music.

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MATT COLE

Commercial Mortgage Advisor

Matt is very much a family man with 2 children, training to become a men's open bodybuilder, loves watching rugby and boxing.

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HELEN HOBBS CEMAP

Senior Broker Manager

Helen is married with 2 children.  She can often be seen with her two Lassie dogs, and is known as the collie lady, with the exception of her friends who tend to call her Lady Helen as she like to be a lady who lunches.   Helen loves to travel, along with being a social butterfly, although is a light weight when it comes to enjoying a glass of wine.

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ABBIE DARBY CEMAP

Mortgage Underwriter

Abbie is married to Sean, who is a self-employed gas engineer. Her interest include making their first house a home, going to concerts and wine nights with the girls!

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CHRIS COX CEMAP CERER

Specialist Mortgage Advisor

Chris has 2 young kids. Since having kids, he doesn't get the chance to play golf or football much anymore and after a long week just loves sitting at home, on the sofa watching football. But he's not often allowed to do it and spends most of his time going on family treks or in the kitchen.

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JOE DILLON CEMAP

Senior Mortgage Advisor

Joe is married to Anita and they have 2 sons.  When he isn’t chauffeuring his kids to various locations, he loves to play golf, have a kick about or best of all watch the football.

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LUCY MASON

Insurance Processor

Lucy has a baby boy and is married to Geraint, a carpenter. Her interests include working out at 5:30AM, watching rugby, travelling with her family and being cwtchd up reading a good book.

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LUKE WILLIAMS

Broker Manager

Luke has a wealth of experience in advisory service; ranging from premium vehicles, to Protection insurances. During his spare time he enjoys surfing at different beaches around Wales, and walking his dog, Wil.

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SAM BERRY CEMAP

Senior Broker Manager

Sam has over 20 years’ experience in financial services and has worked in large corporate banks and companies as a Senior Mortgage Broker.  In her spare time she likes to play the flute and is a qualified music teacher.  Sam loves to travel and loves animals and has a lovely little tuxedo kitten called Simba that lives up to his name.

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REBECCA BAILEY CEMAP

Mortgage Adviser

Rebecca has over 13 years in financial services, she is married to chloe and has a little boy Charlie  She enjoys taking the dog on long walks through the woods and can be found most weekends on the side of a football or rugby pitch if she isn't on a tennis court.

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JOSH JONES

Broker Manager

Josh enjoys playing sports, mainly football for his local team and regularly attends Cardiff City and Wales football games. he also enjoys playing golf and weekends away.

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LUKE JONES

Protection Consultant

Luke has a experienced background in customer service. He enjoys exploring the welsh countryside with his 2 young Children and Partner and has a passion for Rugby

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NICK PRICE

Protection Consultant

Nick has been in financial services for 12 years, Nick has recently had his first child and when outside of work his hobbies include watching any form of sport and spending time with family.

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SCOTT BELMONT

Business Development Manager

Scott has been in the industry for over 6 years and rely's on his level of service, speed and knowledge to ensure introducers get the best experience possible, 

In his spare time he enjoys watching sport, movies and listening to music.

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JOANNE CARTER

Business Development Manager

Joanne is happily married with 2 young sons.  In her spare time she enjoys Running, Family walks, Singing and any beer garden on a sunny day.

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MABLE

Business Development Manager

Born in Aberystwyth Cavapoo - likes roast Chicken and playing football