Charles & Dean

Charles & Dean: bespoke finance brokerage for cars, business and property

Charles & Dean is a finance brokerage that arranges tailored funding across three areas: car finance, business finance and property finance. The company presents itself as an award-winning broker working with a panel of more than 100 trusted lenders and states that it has financed over £200 million in the last 12 months, supporting more than 7,500 individuals and businesses. Its approach is described as straightforward, aimed at saving time and reducing hassle for clients seeking vehicle, commercial or property funding.

Car finance for specialist and prestige vehicles

The car finance side covers a wide range of vehicle categories, from sports and performance models to luxury and prestige cars, supercars, and classic or motorsport vehicles. The site lists brands including Porsche, Ferrari, Land Rover, Lamborghini, BMW, Mercedes-Benz, Audi, Aston Martin, Jaguar, McLaren, Bentley, Rolls-Royce, Lotus, Maserati, Volkswagen, Volvo and Ford. Product options include Hire Purchase (HP), PCP, Lease Purchase, and Refinance & Equity Release. The brokerage describes specialist solutions for supercar collectors and enthusiasts, sports car finance for models such as the Porsche 911, Jaguar F-Type, BMW M and Audi R8, discreet luxury car finance for Bentley, Rolls-Royce and Range Rover, and classic car finance for marques from Ferrari to Jaguar and vintage Porsche.

Business finance products and sectors

On the business side, Charles & Dean arranges asset finance and leasing, hire purchase, finance lease, refinance and equity release, equipment finance, machinery finance, unsecured finance, unsecured business loans, invoice finance, supply chain finance, the Growth Guarantee Scheme (GGS), revolving credit facilities, merchant cash advance, VAT loans and corporation tax loans. The Growth Guarantee Scheme is described as a government-backed scheme helping UK businesses secure affordable loans for growth, with loans up to £2 million and a 70% government guarantee mentioned in a related guide. The company also indicates it supports clients across sectors including agriculture, leisure and hospitality, construction, manufacturing and engineering, commercial vehicles, transport and logistics, food and beverage, and utilities and waste.

Property finance

The property finance division covers property development finance for ground-up builds, refurbishments and conversions; commercial mortgages for acquiring or expanding commercial real estate; investment mortgages for purchasing or refinancing investment properties; and bridging loans for short-term funding tailored to an exit strategy. The company positions these services for investors and businesses seeking commercial property finance for acquisition, development and refinancing.

Lender panel, scale and client base

Charles & Dean emphasises its access to a broad panel of lenders and its experience in structuring funding for both straightforward and complex requirements. The figures highlighted on its site include more than 100 lenders on its panel, over £200 million financed in the last 12 months, more than 800 five-star reviews on Trustpilot, and support for over 7,500 individuals and businesses. The company says its team provides hands-on support throughout the process to keep transactions moving through to completion.

Partnerships and published resources

The brokerage has announced a partnership with Fix Auto UK to provide franchise partners with access to flexible specialist funding, and a strategic collaboration with FXE Technologies to license its Funding Xchange Marketplace. It also publishes guides and articles on car, business and property finance, including topics such as dealership finance versus a car finance broker, the Growth Guarantee Scheme, commercial property brokerage, and agricultural finance. A representative example on the site illustrates PCP terms with a representative 9.4% APR, noting that rates depend on individual circumstances and that credit is subject to status for UK residents aged 18 and over.