All advisers are regulatedby the FCA
All advisers registered under the Financial Conduct Authority, providing the highest standards of financial advice.
Welcome to CH Finance!
We help clients all over the UK with their financial needs.
- Verified Local Advisers
Simply enter your postcode to find a local adviser.
- Trusted Advice
Receive professional guidance for both simple and complex financial situations.
- Clear Communication and Support
Enjoy transparent advice and ongoing support throughout your financial journey.
Our FREE connecting service finds you a local FCA-regulated adviser (UK) for a FREE initial consultation. Our goal is to help you save time, effort, and energy.
Find your local adviser in 3 simple steps
Step 1 of 3
Why Choose Us?
Our service is accessible nationwide in the UK
We've helped many people connect with FCA-regulated advisers across the UK.
Top-rated local advisers
Allow us to connect you with a trusted local adviser who focuses on providing the type of advice that suits you.
What UK Clients Say About CHFinance
★★★★★
Professional
My experience with this company was absolutely helpful. Characterises massive knowledge and professionalism. I was lucky to get help from such a helpful company. It's saved my life.
★★★★★
Thank you
Stephen was great, took his time with me. Grateful I can get my new bathroom.
★★★★★
Professional
Characterizes massive knowledge and professionalism. I was lucky to get help from such a helpful company.
★★★★★
Best people to help you
They helped me bring my payments down. So happy I can start living my life again.
★★★★★
Extremely helpful
Stephen at CH Finance was extremely helpful and gave me the best advice and solution.
★★★★★
Highly recommended service
From start to finish Stephen supported us each step of the way. Uncomplicated and stress free!
★★★★★
Patient and understanding
Went above and beyond to help. I can now see the end to a very worrying time.
★★★★★
Great expertise
Expert knowledge and sympathetic support through a tough case now resolved.
★★★★★
Absolutely fantastic
Honest and friendly service. Recommended highly.
★★★★★
Excellent service
Extremely helpful and gave me the best advice and solution. Stress has been cleared away.
★★★★★
Would recommend
Explained everything clearly and payments are now manageable. Big weight off my shoulders.
★★★★★
Fantastic service
Approachable, explains options clearly. Highly recommend CHFinance.
★★★★★
Help and support
With help and support my life is looking better. Thank you Stephen.
★★★★★
Brilliant service
Help and advice was second to none. Made a very difficult situation easy.
★★★★★
Exceptional adviser
Communication exceeded expectations. Patient and responsive, guided us clearly.
★★★★★
Highly professional and compassionate
Stephen Clarke demonstrated great care in resolving my financial requirements.
★★★★★
Top class
What a fantastic service I had from Stephen. I can't thank you enough.
★★★★★
Thank goodness
Back in control of my life and finances. Thank you for your professional help and support.
★★★★★
Professional
My experience with this company was absolutely helpful. Characterises massive knowledge and professionalism. I was lucky to get help from such a helpful company. It's saved my life.
★★★★★
Thank you
Stephen was great, took his time with me. Grateful I can get my new bathroom.
★★★★★
Professional
Characterizes massive knowledge and professionalism. I was lucky to get help from such a helpful company.
★★★★★
Best people to help you
They helped me bring my payments down. So happy I can start living my life again.
★★★★★
Extremely helpful
Stephen at CH Finance was extremely helpful and gave me the best advice and solution.
★★★★★
Highly recommended service
From start to finish Stephen supported us each step of the way. Uncomplicated and stress free!
★★★★★
Patient and understanding
Went above and beyond to help. I can now see the end to a very worrying time.
★★★★★
Great expertise
Expert knowledge and sympathetic support through a tough case now resolved.
★★★★★
Absolutely fantastic
Honest and friendly service. Recommended highly.
★★★★★
Excellent service
Extremely helpful and gave me the best advice and solution. Stress has been cleared away.
★★★★★
Would recommend
Explained everything clearly and payments are now manageable. Big weight off my shoulders.
★★★★★
Fantastic service
Approachable, explains options clearly. Highly recommend CHFinance.
★★★★★
Help and support
With help and support my life is looking better. Thank you Stephen.
★★★★★
Brilliant service
Help and advice was second to none. Made a very difficult situation easy.
★★★★★
Exceptional adviser
Communication exceeded expectations. Patient and responsive, guided us clearly.
★★★★★
Highly professional and compassionate
Stephen Clarke demonstrated great care in resolving my financial requirements.
★★★★★
Top class
What a fantastic service I had from Stephen. I can't thank you enough.
★★★★★
Thank goodness
Back in control of my life and finances. Thank you for your professional help and support.
Mortgage Advice
Remortgage, move home or invest with clear guidance and support from our trusted advisers.
Insurance and Protection
Put sensible, affordable cover in place so your home, income and family are protected.
Debt Help and Money Management
Confidential, non-judgemental guidance to help you take back control of money worries.
Mortgage Advice
Support for moves, remortgages and investment
Buying a home or changing your mortgage is one of the biggest financial decisions you will ever make, and it can feel daunting to navigate the UK mortgage market on your own. Whether you are a first-time buyer, moving home, remortgaging or looking at a buy-to-let mortgage, it is completely normal to have questions and worries about affordability, interest rates and whether you will be accepted. Having an experienced mortgage adviser to talk things through with can make the process feel clearer and more manageable.
When you speak to us for mortgage advice, we will start by understanding your circumstances, goals and any concerns you might have, including complex or self-employed income and past credit issues. We then look across a range of lenders and products to identify mortgage options that could be suitable for your situation, and we will explain the key features and differences in plain English. Our role is to give you clear information and guidance so you can make informed decisions about what is right for you.
Whether you are exploring a remortgage, considering releasing equity from your home, looking at buy-to-let, or simply checking that your current deal still meets your needs, we aim to support you through each step of the process. We will keep you updated, help with paperwork where appropriate, and be available when it is time to review your arrangements again, so you do not have to work through everything on your own.
Areas we cover
- First-time buyerAffordability, deposits and mortgage options for new buyers.
- RemortgageComparing alternatives to see if remortgaging may suit.
- Buy My Next HomeSupport with purchase applications and chains.
- Buy-to-let MortgagesLandlord lending options for individual and limited company purchases (note: some BTL products are not FCA-regulated).
- Equity Release / Lifetime MortgagesClear, impartial explanation of risks and consequences, with referral to an authorised adviser.
- Second Charge Mortgages (Secured Loans)Additional borrowing secured against your property, exploring options alongside remortgage and further advance alternatives.
- Self-employed CasesTailored advice for those with complex income structures.
- Adverse Credit CasesSupport for clients with past credit challenges.
Insurance & Protection
Cover that keeps life moving
Thinking about illness, injury or loss of income is uncomfortable, but the right protection can make a real difference to your financial security. Many people in the UK are unsure what they need, or assume life insurance, critical illness cover or income protection will be too expensive, and delay making a decision. Our role is to help you look at your situation calmly, understand the risks that are most relevant to you and your family, and consider suitable options within a budget you are comfortable with.
We also take a slightly different approach to many firms. Rather than looking at each policy in isolation, we consider how life insurance, critical illness cover and income protection can work together to support your mortgage and wider household finances if something unexpected happens. The exact structure will depend on your circumstances and preferences, and we will discuss the options with you so that any recommendations are tailored to your needs.
When we review your protection needs, we will talk through your home, income, dependants and any existing policies, and explain in clear language how different types of cover work, such as life insurance, critical illness insurance, income protection, and buildings and contents insurance. We will outline the main benefits, limitations and key points for each type of policy, without jargon and without any pressure to proceed, so you can decide what, if anything, is appropriate for you and how to balance the cover you want with a cost you are comfortable paying.
Areas we cover
- Term life insuranceCover to protect family finances.
- Critical illness coverLump-sum protection for specified illnesses.
- Income protectionReplacement cover for lost earnings if you cannot work.
- Buildings and Contents InsuranceCover options for home and possessions.
- Private medical insuranceOptions for private treatment where appropriate.
- Free Protection ReviewReview your existing cover for gaps, overlaps and suitability.
Debt & Money Management
Take control of your finances
If you are feeling overwhelmed by credit cards, personal loans or other monthly commitments, you are not alone. Many people across the UK experience financial pressure due to changes in income, rising living costs or unexpected events. The most important step is not to ignore the situation. By talking things through with someone who understands money management, you can gain a clearer picture of where you stand and what forms of support may be available.
When you contact us about money worries, we will take the time to understand your circumstances and discuss your financial position in a clear and supportive way. Where appropriate, we can explore lending solutions such as unsecured loans or other lending options that may help improve the manageability of your monthly commitments, depending on suitability and affordability.
We will also highlight independent resources such as MoneyHelper, StepChange and other reputable organisations that provide free, impartial guidance. These services can help you review the full range of options and considerations available to you, enabling you to make informed decisions about your situation.
Reaching out can feel daunting, but many people find that having an open and confidential conversation helps bring clarity. If you are unsure how to prioritise monthly payments or want to better understand your financial position, structured guidance and access to independent support can help you move from uncertainty toward a more manageable plan.
Areas we cover
- Lending SolutionsExploring secured loans, unsecured loans and debt consolidation options where suitable for your circumstances and affordability.
- Debt Support & SignpostingHelping you understand your situation and connecting you with independent debt advice services such as MoneyHelper and StepChange.
- Money ManagementPractical guidance to help you budget, prioritise spending and improve your cashflow.
Your Journey
Start your financial journey right now with 4 simple steps:
Enter Your Postcode
Simply input your postcode so we can help you find the best-matched independent adviser in your area.
Tell Us What You Need
Please inform us of the type of advice you are looking for. Count on us to ensure you are connected with a trustworthy, unbiased adviser who will reach out within 24 hours.
Free Expert Advice
There are no hidden fees, the consultation is free - you can have an in-depth discussion with an adviser without worrying about fees.
No Obligation Required
Communicate your needs with our regulated adviser, and the decision to move forward is entirely yours, without any pressure or obligation.