Lawes Financial is committed to operating with transparency, integrity, and professionalism at all times. Our regulatory status is set out below.
Firm Reference Number (FRN) — Lawes Financial Limited
Appointed representative of Andrew Charles Consulting Ltd (FCA No. 304904), authorised and regulated by the Financial Conduct Authority.
Lawes Financial Limited (FCA No. 1046161) is an appointed representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No. 304904). The FCA has authorised us for advising on and arranging regulated mortgage contracts and regulated insurance contracts.
We provide whole-of-market advice and intermediary services in relation to the following:
The availability of products and lenders may vary depending on individual circumstances and market conditions. We will always confirm the scope of our advice before we begin.
At Lawes Financial, putting our clients first is not a slogan — it is how we operate. The Consumer Duty, introduced by the Financial Conduct Authority, sets a clear standard for financial firms to deliver good outcomes for retail clients. We fully support this approach and embed it across every part of our advice and service.
We only recommend solutions that are appropriate for your needs, circumstances, and objectives — whether that is a mortgage, protection policy, or insurance product. Nothing more, nothing less.
We focus on value, not just cost. That means ensuring the benefits of any product are proportionate to what you pay, and that all fees and charges are clear and fully justified before you commit.
Financial decisions should be clear, not confusing. We explain options, risks, and implications in plain English — giving you the time and support you need to make genuinely informed decisions.
Good advice does not end at completion. We remain available as your circumstances change — for reviews, questions, remortgages, or anything else. No unnecessary barriers, no being passed to a call centre.
Consumer Duty is not a one-off requirement — it is an ongoing commitment. We regularly review our processes, advice standards, and service delivery to ensure we continue to act in your best interests. At Lawes Financial, you can expect advice that is fair, transparent, and focused on what truly matters to you — now and in the future.
We are committed to providing a high level of service at all times. If you are unhappy with any aspect of our service, you have the right to make a complaint and we will take it seriously.
Details of our complaints procedure are available in our Terms of Business and on request. If a complaint cannot be resolved to your satisfaction, you may be entitled to refer the matter to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by telephone on 0800 023 4567.
Lawes Financial is registered with the Information Commissioner's Office and complies fully with UK data protection legislation. We take our obligations seriously and handle your personal information with care and confidentiality at all times.
Full details of how we collect, use, and protect your personal data — and your rights under data protection law — are set out in our Privacy Notice.
The information on this website is provided for general guidance only and does not constitute personalised financial advice. Advice will always be provided following a full assessment of your individual circumstances by a qualified adviser.
If you have any questions regarding our regulatory status or the information on this page, please contact us directly. We are happy to provide any clarification you need.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.