# Torch Financial Limited

Torch Financial Limited is a Cardiff-based mortgage and finance broker established by Craig Price, who brings over a decade of experience in the specialist property market and financial services. The firm operates as an intermediary between clients and a comprehensive panel of lenders, specialising in complex and non-standard lending scenarios that many high-street brokers cannot accommodate.

The business serves three distinct client groups: direct customers seeking mortgage advice, introducing brokers lacking specialist expertise, and property professionals navigating complicated financing structures. This dual-broker and direct-client model positions Torch as a solutions provider for deals others consider too complex.

Torch distinguishes itself through deep specialisation in bridging finance, buy-to-let investments (including HMOs), and commercial lending arrangements. Rather than applying a one-size-fits-all approach, the firm prides itself on analysing each deal individually to deliver bespoke solutions. Craig Price's background in specialist property markets enables the team to understand nuanced lending requirements, particularly for investors and developers with non-standard borrowing needs.

The service extends beyond mortgages to encompass protection advice—covering death, critical illness, and long-term sickness provisions—alongside asset finance and secured loans offered through referral partnerships. Their commitment to customer experience is evident in their emphasis on guiding clients through complex decisions with transparent, tailored recommendations suited to individual circumstances rather than pushing generic products.