Cranbourne Financial

What Cranbourne Financial does

Cranbourne Financial Ltd is an FCA-authorised independent financial advisory firm registered in England and Wales (company number 05886186), founded in 2006 and operating from offices in Hitchin, Hertfordshire and Redhill, Surrey, with a registered address in London. The firm provides independent financial advice to individual and business clients across four core service areas: pensions (including SIPPs, personal/stakeholder pensions, and retirement options such as drawdown and annuities), protection (life assurance, critical illness, income protection, and business protection), mortgages (repayment, fixed-rate, tracker, and discount products), and savings and investments.

The business is operated by two directors and partners — Allan Moir (Hitchin) and Christopher Warner (Redhill) — who deliver personalised, face-to-face advisory services directly to clients via phone, email, and in-person consultation. The firm maintains an informational website that publishes ongoing news content on financial topics and offers client-facing calculators and digital services, indicating a modest digital presence alongside its core relationship-led model. There is no proprietary technology platform; standard business systems are used for client management and communication.

Revenue is generated primarily through commissions from product providers (insurers, mortgage lenders, pension providers) on products arranged on behalf of clients, consistent with standard UK independent financial adviser practice, supplemented by client fees determined case-by-case. Pricing is not publicly disclosed. The firm is privately held by its two director-partners, with no external investment, parent company, or subsidiary ownership indicated.

Name

Cranbourne Financial

Legal name

Cranbourne Financial Ltd

Website

https://cranbournefinancial.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Cranbourne Financial Ltd is a UK FCA-regulated independent financial advisory firm, founded in 2006, providing personalised advice on pensions, protection, mortgages, and savings/investments to individual and business clients in Hitchin and Redhill through two director-partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Hitchin

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financial Advisory Services: Cranbourne Financial provides independent financial advice on pensions, protection, mortgages, and savings and investments. As an FCA-regulated independent financial adviser, they likely earn commissions from product providers (insurance companies, mortgage lenders, pension providers) for products arranged on behalf of clients, which is standard practice in the UK financial advice industry.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Cranbourne Financial provides independent, FCA-regulated financial advice to individuals and businesses in the Hitchin and Redhill areas of the UK. Its core service spans four interconnected areas: pensions (including personal pensions, stakeholder pensions, SIPPs and retirement options), mortgages (repayment and interest-only strategies, fixed, tracker and discount products), protection (life, critical illness, income protection and business protection), and savings and investments (deposit accounts and investment options). Advice is delivered through face-to-face consultations with the two directors.

Product overview

Cranbourne Financial offers independent financial advisory services through a unified advice model. The core offering spans four interconnected service areas: Pensions Advisory (covering personal pensions, SIPPs, and retirement planning), Mortgages Advisory (including product selection and repayment strategy), Protection Advisory (life, critical illness, income protection, and business protection), and Savings & Investments Advisory. The firm provides personalized, face-to-face financial advice for individuals and businesses, building long-term client relationships to deliver tailored recommendations across these interconnected financial planning areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensions Advisory Comprehensive pension planning covering personal pensions, stakeholder pensions, Self-Invested Personal Pensions (SIPPs), and retirement options including Flexi-access Drawdown, annuities and UFPLS, for individuals preparing for retirement.
• Mortgages Advisory Mortgage advice covering repayment methods (capital and interest, interest-only) and mortgage products including fixed rate, tracker and discount mortgages, for individual homebuyers and re-mortgagors.
• Protection Advisory Protection advice covering life protection (Level Term Assurance, Decreasing Term Assurance, Family Income Benefit), critical illness insurance, income protection, and business protection for key persons and shareholders.
• Savings and Investments Advisory Savings and investments guidance covering deposit accounts, investment options and risk assessment to help individual clients achieve their financial objectives.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights2 records

Direct peers

• St. James's Place: UK wealth manager operating through a national network of partner advisers offering pensions, investment, protection and tax advice. Most directly comparable model to Cranbourne's face-to-face adviser model, scaled many times larger.
• Quilter: UK wealth management group combining a directly-led advice business (Quilter Financial Planning) with a platform, serving clients on pensions, investments and protection. Comparable independent-advice proposition aimed at the mass-affluent segment.

Broad incumbents

• Hargreaves Lansdown: UK's largest direct-to-consumer investment platform and a major force in pensions, ISAs and fund research. Competes with Cranbourne for the same client savings and pensions wallet, albeit via a self-directed rather than advised model.
• Rathbones: UK-listed wealth manager providing investment management, financial planning and advice services to individuals, trustees and charities. Comparable advised wealth proposition targeting UK HNW and mass-affluent segments.
• Evelyn Partners: Large UK private wealth and professional services firm offering financial planning, investment management and tax advice to individuals and businesses. Overlaps Cranbourne's full-service advice proposition but at significantly greater scale and broader geographic reach.
• Brewin Dolphin: UK wealth manager with national office network offering bespoke financial planning, investment management and advisory services. Similar four-pillar proposition to Cranbourne (pensions, protection, mortgages, investments) executed at materially larger AUM scale.

Emerging players

• Nutmeg: UK digital wealth manager offering robo-advice and managed portfolios (ISAs, SIPPs, GIA). Targets the same younger mass-affluent client base as Cranbourne but with a fully digital, lower-fee proposition.
• Interactive Investor: UK flat-fee investment platform providing ISAs, SIPPs and dealing accounts. Competes for the same mass-affluent savings/investments segment but via a subscription-priced self-directed model.
• AJ Bell: UK investment platform offering SIPPs, ISAs and dealing services with a growing advised channel. Represents the self-directed and low-cost-platform competition to Cranbourne's advised savings and pensions proposition.

Others

• The Positive Thought Company (SimplyBiz): UK support services group providing compliance, technology and back-office infrastructure to a network of directly authorised IFAs. Cranbourne's privacy notice references a Compliance Service Provider relationship, indicating adjacency to the IFA support ecosystem.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cranbourne Financial