Charles Frank Finance Limited

Reference number: 624668

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When cffl.co.uk first appeared online, and whether it can receive email
  • What kind of line 029 2167 0060 is
  • Who else gives the postcode CF15 7PL
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Other names (25)

If you were contacted under any of these names, it is this firm.

  • Charles Frank Bridging Trading name
  • Charles Frank Commercial Finance Trading name
  • Charles Frank Equity Release Trading name
  • Charles Frank Loans Trading name
  • Charles Frank Mortgages Trading name
  • Frank Bridging Trading name
  • Mortgage Maze Trading name
  • securedloanrates Trading name
  • simply zest Trading name
  • Any Loans Former trading name
  • Baileys Financial Former trading name
  • CF Finance Former trading name
  • CF Life Former trading name
  • CF Loans Former trading name
  • Holdsworth Associates Former trading name
  • Intra Private Finance Former trading name
  • LiveMore by Mortgageforce Former trading name
  • Mortgageforce Bristol & West Former trading name
  • Mortgageforce London Former trading name
  • Mortgageforce South West Former trading name
  • Mortgageforce Wales Former trading name
  • Mortgageforce Wales & West Former trading name
  • Mortgageforce West Former trading name
  • Orange Mortgages Former trading name
  • WePlanLoansAccepted Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (14 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07791769
Company status
Active
Company type
Private limited company
Incorporated
29 September 2011 (15 years old)
Registered office
89 Cardiff Road, Taffs Well, Cardiff, Cardiff, CF15 7PL, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Charles Lugsdin Director Nov 1966 17 Jul 2013 9 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
9
closed down
5
still active
4

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£185k

−5.6% from £196k

Cash at bank

£179k

−6.9% from £192k

Employees (average)

10

−9.1% from 11

Owed within a year

£9,396

−29% from £13.3k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 07791769. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Charles Frank Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (52)

2016

6 April 2016

  • John Charles Lugsdin took control (75–100% of shares)

Companies House

2014

15 September 2014

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2013

22 January 2013

  • Board replaced: its only director left and a new director took over

Companies House

2011

29 September 2011

  • Incorporated at Companies House

Companies House

In the full report: all 52 events

  • All 52 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms like Charles Frank Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Cardiff

Adapt MortgagesCardiffAuthorisedArkke Capital LtdCardiffAuthorisedCardiff Financial Services LimitedCardiffAuthorisedCornerstone Finance Group LtdCardiffAuthorisedGoBear Loans LtdCardiffAuthorisedGps Financial LtdCardiffAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Charles Frank Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 52 events in its history

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Frequently asked questions about this firm

Is Charles Frank Finance Limited FCA authorised?
Yes, Charles Frank Finance Limited (FRN 624668) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2014 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Charles Frank Finance’s phone number and website?
The FCA register lists the phone number 029 2167 0060 and the website cffl.co.uk for Charles Frank Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Charles Frank Finance a scam or clone?
Charles Frank Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Charles Frank Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Charles Frank Finance to the Financial Ombudsman Service, free of charge.
Who owns Charles Frank Finance?
Companies House lists one person with significant control of Charles Frank Finance: Mr John Charles Lugsdin (75–100% of shares).
Who runs Charles Frank Finance?
Companies House lists one director of Charles Frank Finance: John Charles Lugsdin.
How long has Charles Frank Finance been in business?
The company was formed on 29 September 2011, and has held its current FCA authorisation since September 2014.
What do Charles Frank Finance’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £185k (−5.6% from £196k) and cash at bank of £179k (−6.9% from £192k).
Does Charles Frank Finance use any other names?
It trades as Charles Frank Bridging, Charles Frank Commercial Finance, Charles Frank Equity Release, Charles Frank Loans and Charles Frank Mortgages, and 4 more names. It has previously used 16 other names, including Any Loans, Baileys Financial and CF Finance.

Sources and links

The full report on Charles Frank Finance Limited

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