Our Team
Samantha Turner
Senior Bridging & Specialist Finance Adviser
Over 15 years of specialist mortgage and loan experience at Charles Frank Finance Limited. Sam leads on bridging, second charge, and complex property finance cases — the deals that need careful handling, precise execution, and a genuine commitment to the outcome.
About Sam
Sam has spent over 15 years in specialist mortgage and loan advice, covering everything from residential mortgages and remortgages through to bridging, second charge, and complex property finance. She joined Charles Frank Finance Limited as a senior adviser and now leads the specialist desk — handling cases that need more than just market knowledge.
Some cases require careful handling, precise execution, and a genuine commitment to the outcome. Where a mainstream lender or generic broker can't see a path, Sam usually can — because she knows exactly which lenders love what, and how to package a case so underwriters see the deal the way the borrower does.
Her clients include first-time landlords, established property investors, business owners raising capital against trading premises, developers wrapping up schemes, and homeowners caught between a sale and a purchase. The common thread: deals where speed, certainty, or a creative structure matter more than rock-bottom rate.
What Sam handles
Bridging finance
Regulated and unregulated bridging from £50,000 to £15m+. Residential, commercial, semi-commercial, auction, and developer-exit cases.
Second charge mortgages
Secured loans behind an existing first charge — capital raising for home improvements, debt consolidation, business injection, school fees, or tax bills.
Refurbishment finance
Light, medium, and heavy refurbishment funding — including projects with structural work, extensions, change of use, and HMO conversions.
Development finance
Ground-up development for residential schemes — first-time developers welcome alongside experienced investors.
Adverse credit
CCJs, defaults, arrears, IVAs, discharged bankruptcy — Sam knows which of our eleven lenders consider what, and how to position the case.
Time-critical cases
Auction completions inside 28 days, chain-break rescues, and emergency capital raises where speed is the only thing that matters.
Why borrowers and intermediaries work with Sam
- Direct access — you speak to Sam, not a call centre or a junior. The person who packages the case is the person who runs the case.
- Eleven specialist lenders on panel — including KIS, Signature, Precise, Greenfield, Aspen, LendInvest, Masthaven, MT Finance, Roma Finance, Black & White, and Apex.
- Pre-qualified before submission — Sam confirms with the lender's BDM before submitting, so you know the case fits before paying valuation fees.
- Cardiff-based, lending nationally — England, Wales, and Scotland (lender-dependent).
- FCA-authorised credit broker (FRN 624668) — regulated, transparent, all fees disclosed upfront.
Got a complex case? Talk to Sam directly.
The trickier the deal, the more useful a direct conversation. Sam can usually tell you within ten minutes whether a case is fundable — and which lender is the right starting point.
Charles Frank Finance Limited · FCA FRN 624668 · 89 Cardiff Road, Cardiff CF15 7PL