CFP Group

CFP Group, a UK brokerage spanning personal and commercial finance

CFP Group is a financial services brokerage that brings personal and commercial finance together under one structure. It presents itself as a market-leading brokerage supporting individuals, entrepreneurs and businesses across the UK, and describes its model as independent with whole-of-market access to debt finance and to insurance and protection solutions.

The group operates through separate regulated entities. CFP Group Limited and CFP Group Residential Limited are both private limited companies registered at 28B The Grove, Ilkley, LS29 9EE, and both are authorised and regulated by the Financial Conduct Authority. CFP Group Limited is a credit broker rather than a lender and states that it conducts both regulated and unregulated business, so not all products it arranges fall under FCA regulation. CFP Group Residential Limited is described as an independent mortgage and protection brokerage sourcing products from the whole of market and working with an unrestricted number of lenders.

How the brokerage works with clients

The firm describes a consultative method in which it takes time to understand a client's short- and long-term goals and aims to develop their financial awareness while delivering solutions within the required timeframe. Its stated commitments include presenting more than one solution where possible, acting with transparency throughout, and completing transactions through a team of dedicated in-house case managers. The site also sets out expectations of clients: sharing all relevant information, answering questions accurately and promptly, producing documentation quickly, not appointing another finance broker for the same transaction, and paying pre-notified fees on time.

Finance lines for individuals

• Home purchase, remortgage, further advance and second charge mortgages
• Self-build mortgages
• Buy-to-let and holiday let mortgages
• Vehicle finance

Alongside lending, the individual side covers life cover, critical illness cover, income protection, private medical insurance, personal guarantee insurance, home insurance and landlord insurance.

Business and commercial finance

For companies, the offering spans business finance, asset finance and property finance. The business finance range includes commercial mortgages, short-term loans, invoice finance, stock finance, trade finance, tax and VAT loans, merchant cash advance and business acquisition finance.

Asset finance covers hire purchase, finance lease, operating lease, contract hire, refinance and restructuring, pool car finance and directors' car finance. On the property side, the catalogue lists buy-to-let, HMO and MUFB lending, holiday let mortgages, commercial property investment, portfolio investment loans, development finance, refurbishment finance, bridging finance and purpose-built student accommodation.

Insurance and protection for businesses

The commercial protection range comprises shareholder protection, business insurance broking, relevant life cover, key person protection, death in service cover, private medical insurance, personal guarantee insurance, landlord insurance and credit insurance.

Two offices and a complaints route

Beyond the registered office in Ilkley, West Yorkshire, the company lists a second address at 4A Fields End Business Park, Rotherham, S63 OJF. Complaints can be raised in writing, by email at matt@cfpgroup.co.uk or by telephone on 03330 156336 or 03300 550011; the firm states that a summary of its internal complaint-handling procedures is available on request, and that unresolved complaints may be referred to the Financial Ombudsman Service.

Regulatory registrations and transparency on commission

CFP Group Limited carries company registration number 11778716, FCA registration 912083 and ICO reference ZA497318. CFP Group Residential Limited carries company registration number 11200232, FCA registration 808717 and ICO reference ZA464202. The residential entity discloses that it typically receives commission from lenders under differing models — fixed fee, fixed rate of commission or a percentage of the amount borrowed — and that a fee for its services may apply, with the precise amount confirmed in writing at the outset. It also notes that a home or property may be repossessed if repayments are not maintained, and that exiting an existing mortgage deal early may incur a charge.