Charlie Baker - Dip PFS,
Certs CII (MP & ER), Cert SMP

Director & Broker

Professional Profile

I started my career in financial services in 1998 starting out in insurance and insurance underwriting, holding binding authority for Lloyds syndicates at the time.  Following the insurance experience, it seemed a natural progression to expand and train as a full financial adviser and I qualified as a Financial Adviser in 2004 developing experience and expertise in pensions, investments, savings, insurance, and mortgage advice.   I remained in Financial Advice until 2007 and then took a career break to spend more time with my children. 

In 2011, I returned to Financial Services and due to qualification changes for Financial Advisers I decided to start working within the mortgages space.  Finding a forte for mortgage advice, I began specialising in complex mortgage cases and to this day I work hard to grow my knowledge and expertise in this area.  


During the process of setting up Balanced Financial Services I also sat the new exams required to re-qualify as a Financial Adviser in addition to the Advanced Mortgage Advice Qualification.  I am an active member of the Personal Finance Society, and the Society of Mortgage Professionals and I hold:


Diploma in Financial Planning

Certificate in Mortgage Advice

Certificate in Advanced Mortgage Advice

Certificate in Equity Release

Certificate in Financial Planning

Certificate in Life & Pensions

Certificate in Insurance


I am proud to have been one of 3 Finalists nationally in the Personal Finance Society awards for mortgage and protection advice specialist of the year in 19/20.

I am committed to Balanced Financial Services being the most helpful, honest and ‘non-salesy’ mortgage brokerage and I keep an eye personally, on all cases within the firm.  I am always prepared to speak to clients of Balanced, regardless which broker you may be dealing with.

Personal Profile

When not living & breathing BFS, I enjoy the occasional two wheeled road trip, I am absolutely a Fairweather rider and only on dry summer days do I take the two-wheeler out in search of coffee and cake. I tend not to be out for long these days, as my partner and I have a rather elderly bullmastiff doggo called Betty at home.  Betty does not like to be left home alone for long and spends her week days snoozing in the BFS HQ office! 


When not on the road or tending the whims of the Betty doggo, I have a passion for the beauty of the Koi Pond.  Although the Koi do live outside they are very much-loved pets, each fish is named individually, and has a story which I will gladly share with anyone who will listen!  


Finally, I do love a little international rugby, with a few trips to ‘Twickers’ for 6 Nations matches, the dream will be to get to a world cup final…..

Case Study

My chosen case study involves a single corporate mortgage against 32 multi-unit freehold blocks comprising in excess of 160 let units.  More details are coming soon.....

07824 695852
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