One adviser who can read the mortgage and the will.

Life & Mortgages is the wills, trusts and estate planning side of Craddock Financial Solutions, a UK-wide firm covering mortgages, protection and wills: the whole set of decisions a homeowner actually has to make.

Why we started

Most advisers do one thing well. A family with a mortgage, two children and a buy to let ends up with a will from one place, life cover from another and a mortgage from a third, and nobody checks that they fit together. The gaps tend to show up at the worst possible moment.

Craddock was set up to close those gaps. The same person who understands the mortgage looks at the cover written in trust behind it, and at the will that passes the home on.

Twenty years of watching how lending decisions are really made also means we pay close attention to property: who owns it, how, what’s borrowed against it, and what happens to all of that when someone dies.

Andy Craddock

Founder & adviser · 20+ years in lending

Qualifications: [to confirm]

How we work

We tell you straight

If you don’t need a trust, or your cover is already right, you’ll hear it in the first conversation. Nobody is sold something they don’t need.

The whole cost, written down

What we’d do, what it costs and why, set out together before you commit, because that’s the number that matters.

We come back when life changes

Wills and cover age as families do. We’ll suggest when to review, so nothing quietly goes out of date.

Regulation & permissions

Who we are, on paper

Craddock Financial Solutions Ltd is an appointed representative of CMME Mortgages and Protection Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 414798. That means our mortgage and protection advice sits under a directly authorised principal firm, with a full advice trail and access to the Financial Ombudsman Service.

Will writing, trusts and estate planning fall outside FCA regulation. We say so plainly on every one of those pages.

Principal firm

CMME Mortgages & Protection Ltd

FCA firm reference

414798

Company number

04886692

Coverage

Whole of the UK

First consultation

Free, no obligation

Want to talk it through?

An honest view of what’s worth sorting, and roughly what’s involved. No obligation.

Start your enquiry → Call 01489 250343

Free first conversation · no obligation · whole of the UK