CHFinance

CHFinance

Advising & Protecting your Future!

Terms of Business

How we work with you, the services we provide, and the key information you should know before proceeding.

About CHFinance

CHFinance is a trading name of CH Finance (UK) Limited. Registered address: CH Finance, 2nd Floor Oakhill Court, 171 Bury New Road, Prestwich, Manchester, M25 9ND.

CH Finance (UK) Limited is a limited company registered in England and Wales, registration number 10924999. Licensed by the Information Commissioner's Office under the Data Protection Act.

CH Finance (UK) Limited is an Appointed Representative of Clarke Hendrik Group Ltd, which is authorised and regulated by the Financial Conduct Authority, firm registration number 982714. CH Finance (UK) Limited FCA registration number: 788035.

Our role and the service we provide

We will complete an initial fact-find and, based on your criteria, introduce you to an FCA-regulated broker who will provide you with advice in the area you need. We are not a lender and do not provide personal financial advice.

Access to products is subject to lender criteria and availability. Any recommendation will be made by the FCA-regulated broker following a full assessment of suitability.

Fees and commission

We will discuss our fees with you. Our fees are only payable on the completion of any mortgage. We will discuss this with you clearly before proceeding and confirm in writing what our fees will be.

If you proceed with a solution, CH Finance (UK) Limited may receive a commission from the FCA-regulated broker or product provider upon the successful completion of your case. Details of any commission can be provided on request.

Your responsibilities

You agree to provide accurate and complete information so we and the FCA-regulated broker can assess your needs. You should tell us about any changes to your circumstances as soon as possible.

Communications and monitoring

Calls to and from CH Finance (UK) Limited may be monitored and recorded for record-keeping, supervisory, training, and quality assurance purposes.

Privacy and data protection

We handle your information in line with our Privacy Policy and applicable data protection laws. Please review our Privacy Policy and Cookies Policy for more details.

Complaints

If you are unhappy with any aspect of our service, please contact us and we will aim to resolve your concern promptly. A summary of our complaints handling procedure is available on our Complaints Procedure page.

MoneyHelper

You may want to explore alternatives that do not use your home as security. It is important to consider the risks carefully and seek free, independent guidance before taking any action regarding your debt or mortgage, for example from MoneyHelper. If you click this external link to MoneyHelper you will leave the website of CHFinance.

FIBA

CH Finance UK Limited is a member of the Financial Intermediary & Broker Association (FIBA), and uses the FIBA logo under licence. FIBA Ref FIB41132.

Copyright © 2026 CHFinance

ALWAYS SEEK ADVICE FROM A QUALIFIED MORTGAGE PROFESSIONAL.

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.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

CHFinance is a trading name of CH Finance (UK) Limited.Registered address: CH Finance, 2nd Floor Oakhill Court, 171 Bury New Road, Prestwich, Manchester, M25 9ND.

CH Finance (UK) Limited is a limited company registered in England and Wales, Registration number 10924999. Licensed by the Information Commissioner's Office under the Data Protection Act. CH Finance (UK) Limited is an Appointed Representative of Clarke Hendrik Group Ltd, which is Authorised and Regulated by the Financial Conduct Authority, Firm Registration Number 982714. CH Finance (UK) Limited FCA Registration Number: 788035.

CH Finance (UK) Limited will call you to complete an initial basic fact-find and, based on your criteria, will introduce you to an FCA-regulated broker who will provide you with advice in the area you need. Should you proceed with any solution, CH Finance (UK) Limited will receive a commission from the FCA-regulated broker upon the successful completion of your case.

Calls to and from CH Finance (UK) Limited may be monitored and recorded for record-keeping, supervisory, training, and quality assurance purposes.

We will discuss our fees with you. Our fees are only payable on the completion of any mortgage. We will discuss this with you clearly before proceeding and confirm in writing what our fees will be.

Representative example: A mortgage of £102,495 payable over 25 years, initially on a fixed rate of 5.30% for 5 years and then on a variable rate of 6.74% for the remaining term, would require 60 monthly payments of £617.23 followed by 240 payments of £693.06; the total amount payable would be £185,169, made up of the loan amount, interest and fees of £2,495 (including a £1,495 broker fee – Example Only). The overall cost for comparison is 6.6% APRC representative.If you proceed with a mortgage arranged by CHFinance, a trading name of CH Finance (UK) Limited, a broker fee is payable on completion and will be confirmed before you proceed.

The guidance and/or advice on this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.