Craig Denny
Financial Planning Consultant DipFA, CeMAP, CeRER in Northampton
A little bit about Craig
As an experienced Financial Services professional and member of the London Institute of Banking and Finance, I pride myself on providing the best possible level of service to my clients.
Having worked as adviser within the Financial Services industry since 2007, I’ve built up an astute knowledge of the various products and services available across the market enabling me to provide holistic advice in a range of areas including Retirement and Inheritance Tax Planning, Investments, Mortgages and Protection.
Start the conversation
Whether you want help getting your pension in a good place, or to ask me about another financial need you might have, I’m here to help.
Contact me today
An adviser’s insight
How can you boost your pension pot?
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
Here are three simple ways to make sure your pension is working its hardest for you.
1. Check up on it
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
2. Look at your investment allocation
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
3. Bump it up
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Mortgage
First time buyers, remortgages, buy-to-let.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Qualifications
Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Certificate in Mortgage Advice and Practice - Level 3
- CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.
Certificate in Regulated Equity Release
- Develops specialist knowledge to understand different customer needs and to be able to advise on the different types of equity release products and the risks and benefits associated with taking out a scheme.
Testimonials
Scarlett S.
I started working with Craig after initially getting my first mortgage with another broker. I originally only wanted some advice about mortgage overpayments, but due to how helpful the conversation was I decided to go with Craig for my next mortgage.
I hadn't realised that my previous adviser hadn't explained interest rates, early repayment charges, or porting - I came away with a worse deal which has ended up costing me a lot of money when rates went up because of the poor advice. Craig has worked within the mortgage team at a building society previously, giving him a lot of specialist knowledge which has hugely benefitted me and the deal I was able to secure as he knows the systems and processes so well. Craig has now helped me to secure my new mortgage, and to then port it later in the year.
I've been so impressed with his level of knowledge and how he treats me (as a young woman who can often be patronised around these subjects) with the utmost respect. His advice is thorough and he ensured we talk about all possible areas, including income protection, which I also hadn't been informed about previously.
Alongside his expertise Craig is warm and friendly, and always replies quickly - I've really liked working with him, I'll be going to Craig for my next mortgage, and I trust him enough to have recommended him to one of my colleagues.
George G.
Craig's service is outstanding.
My partner and I have used Craig to support us with our residential and personal buy to let mortgage, life insurance and pension schemes. He has additionally brokered our limited companies buy to let investment property mortgage.
Craig's holistic approach means he really took the time and care to understand our circumstances, outlook and goals before suggesting the best options available to us. Based on our experiences, we trust him implicitly to be meticulous in sourcing the most advantageous products for us and delivering completion in a highly organised and timely fashion.
We have recommended Craig to a number of members of family and friends who have completed mortgages, pensions and protection with him and subsequently provided equally positive feedback of his professionalism.
Rick H.
Firstly, dealing with Craig has been a pleasure, my partner and I both commented on his patience and knowledge during our conversations.
He really explained the reasons and importance of protecting our mortgage by having Life & Critical illness insurance. Something our previous Financial adviser had not mentioned.
Would happily recommend his services and have!
Jim G.
I needed advice on a mortgage due to looking into buying my first property. Craig was recommended to myself by a colleague who had used his knowledge and skills to acquire their own mortgage.
Craig was very helpful and knowledgeable from the very first email and carried on throughout the process. He covered all aspects of the mortgage application in great detail and shared his knowledge to help me through the process which I knew nothing about. Every conversation I had with him filled me with confidence with his approach of the application.
He also took time to get to know me during each call which was a lovely touch. Very trustworthy, knowledgeable, helpful, punctual, patient and friendly.
Location
Craig Denny's location
Craig is located in Northampton and offers expert financial advice to suit your needs.
More about me
Having spent the first 15 years of my career as a Mortgage and Protection Adviser for Nationwide Building Society, I joined Quilter in 2022 and successfully graduated through the Quilter Financial Adviser School to obtain my level 4 Diploma for Financial Advisers. This allows me to provide tailored financial planning and advice services to individuals, families, and businesses in a vast range of areas.
I'm passionate about building long lasting, thriving relationships with my clients through a detailed fact find upon assessment of their personal and financial circumstances, guiding them towards a secure financial future with a commitment to a continuous service and undertaking regular reviews. This enables me to make a bespoke recommendation that meet my client’s needs and aspirations, not only now but in the future too.
Outside of work, I live in Northampton with my wife Francesca, our son Oliver and Alfie, our 12 year old Pomeranian (but he seems to think that he's a Rottweiler). In my spare time, I enjoy travelling, socialising with friends and family and I support Northampton Saints in rugby and Leeds United in football (sorry Cobblers).
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.