Craven Financial Limited

Mortgage and protection advice from Cheshunt

Craven Financial Limited operates as a mortgage and protection brokerage from Unit 308 at Theobalds Enterprise Centre, within Theobalds Business Park in Cheshunt, Waltham Cross. The firm presents itself as a local, independently run business offering what it describes as straightforward, jargon-free advice, and states that its team works with access to hundreds of mortgage products.

The company is led by its principal, Simon Craven, who began working in the sector in 1996 and set up his own business in 2005. The firm states that his experience spans residential and buy-to-let mortgages as well as protection plans.

Mortgage cases handled

The brokerage frames its mortgage work around the borrower's circumstances rather than a single product type. Its stated client base includes first-time buyers, existing owners moving home, borrowers remortgaging, purchasers of new-build properties and buyers of additional properties, including buy-to-let. It also states that it works with clients who have adverse credit. Equity release appears among the mortgage-related areas listed on the site.

Beyond matching a client to a product, the firm says it manages the application through to completion, acting as the point of contact with the lender, the solicitor and the estate agent. It also positions itself as available for later reviews of an existing mortgage.

Protection and insurance

Alongside mortgages, Craven Financial arranges protection and insurance. It describes tailored life insurance solutions intended to cover the policyholder's family, and states that it compares policies from a range of insurers to identify suitable cover. Protection advice is presented as a distinct service from the mortgage work, with its own adviser role within the team.

The advisory team

The site lists a small team with defined functions:

• Simon Craven — Director and Mortgage and Protection Adviser.
• Danny Payton — Mortgage and Protection Adviser.
• Jason Lapuz — Mortgage and Protection Adviser.
• Howard Joseph — Specialist Mortgage Consultant.
• Benjamin Craven — Protection Adviser and Client Support.
• Perin Mehmet — Client Support.
• Angela Craven — Administrator.

Several advisers are reachable on individual mobile numbers and email addresses, while the administrator is associated with the main office line.

How the firm works with clients

Craven Financial states that appointments can be arranged at a time and place convenient to the client, by phone or in person, in recognition of busy schedules. It describes the initial conversation as free and without obligation to proceed. The firm also emphasises a consultative approach, saying it seeks to understand a client's circumstances and goals before recommending a route.

Regulatory status

Craven Financial Limited is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority; the firm cites FCA Register number 600534. It is registered in England and Wales under registration number 08561882, with a registered office at 6-7 Castle Gate, Castle Street, Hertford, Hertfordshire, SG14 1HD. The site notes that its guidance is subject to the UK regulatory regime and aimed at consumers based in the UK, and carries the standard warning that property may be repossessed if repayments are not maintained.

Complaints are handled through the network, Sesame, which can be contacted by post at Sesame Limited, Customer Relations, 4th Floor, Jackson House, Sibson Road, Sale, M33 7RR, by email at customerrelations@sbg.co.uk or by telephone on 0345 045 6800.