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CIB Financial Management Ltd

4.9(40 reviews)See reviews ↓·Glasgow

About the company

CIB Financial Management Ltd is a financial advisory firm based in Glasgow's West-end. The company was established in 1997 by Charlie Carpenter, who is a G60 Pension specialist and holds a diploma in financial advice. The firm has been providing a personal service to clients for 25 years, and its team has over 60 years' experience in all aspects of financial advice.

Adam Carpenter joined the firm in 2011, became a fully qualified Independent Financial Advisor in 2014, a Director in 2019, and gained Chartered status in 2020. Dean Simpson joined in 2021 as an administrator and graduated from Glasgow Caledonian University with an honour's degree in Finance, Investment and Risk. CIB Financial Management Ltd is authorised and regulated by the Financial Conduct Authority and specialises in pensions and retirement planning, investments and mortgages.

What customers say

Based on genuine customer reviews

CIB Financial Management Ltd, based in Glasgow, earns consistent praise for mortgage and remortgage work, with Adam Carpenter named in nearly every account. More than one customer describes his advice as clear and easy to understand, whether arranging a first mortgage, porting an existing deal, or handling remortgages and transfers of equity. A number of reviews mention his responsiveness, noting that queries were answered promptly and updates provided throughout, and that he took time to explain each stage so clients felt confident in their decisions.

Something that features in review after review is his willingness to take on complex cases, including damaged credit, where other advisers had declined; clients credit his tenacity and diligence with getting purchases over the line, sometimes within hours. Others value the practical guidance on business funding and a property portfolio, and the sense that advice stayed current and suited to their circumstances.

The service is described as professional, transparent and stress-free from start to finish, with clients returning for second and subsequent transactions. A recurring theme is that the process felt managed and uncomplicated, leaving customers reassured about the outcome. The strength of these accounts lies in the volume of repeat business and referrals, with reviewers describing a dependable, results-focused service built on clear communication and expertise.

Reviews

Reviews are taken from publicly available sources.

CM
Chris McManus20 July 2026

CIB Financial Management have been excellent, specifically Adam Carpenter. We had a complex case, damaged credit, re mortgage and transfer of Equity. Most businesses turned us down, but not Adam. Since day one he's filled us with confidence, advising that he can place our case. His professionalism and due diligence has been a pleasure to see. I would highly recommend Adam and CIB to anyone looking for a mortgage, no matter how simple or complex your situation is. Thanks again.

CC
Chris Cook17 July 2026

I’ve used Adam at CIB for several mortgages over the years, and the service has always been first class. He’s knowledgeable, professional and always quick to respond, making the whole process as straightforward and stress-free as possible. I wouldn’t go anywhere else and wouldn’t hesitate to recommend Adam and the team at CIB. Thank you again!

GF
Greg Fulton19 June 2026

Had an excellent experience with Adam whilst securing a mortgage for our new property. Adam was professional, knowledgeable and extremely amiable to deal with. He explained everything to us in layman’s terms and ensured we were able to port our existing mortgage to our new property with as little stress and hassle as possible for us. I would recommend Adam and intend to use his services again in the future.

HP
Hannah Phylip18 June 2026

Adam at CIB has worked with us on our property portfolio with a number of mortgages over the past few years. We always feel we’re getting the most up to date and practical advice for our situation.

EC
Ellie Christie9 April 2026

We had an amazing experience with Adam as our mortgage advisor. As first-time buyers, everything felt pretty overwhelming at the start, but he made us feel comfortable straight away and helped guide us through the whole process. He was there every step of the way—from helping us understand our options to getting everything sorted for the purchase—and even worked with us help put forward an offer that had a stronger chance of being accepted. His knowledge of the local area, the property market, and the whole mortgage process was honestly second to none. What we appreciated most was how straightforward and down-to-earth he was. He just told it like it is, no fluff, which was exactly what we needed during what can be, a stressful time. It made everything feel a lot more manageable. We really couldn’t have asked for more—Adam went above and beyond, and we’d definitely recommend him to anyone, especially if you’re a first-time buyer.

BJ
Brian Johnston6 March 2026

We had a great experience with Adam & CIB. Their communication was excellent throughout, always keeping us up to date with the progress of our mortgage application. They took the time to work out the best option for our circumstances and provided honest, sound advice at every stage. The whole process was made completely stress free, Adam made us feel at ease with his friendly, non-jargon rapport. We would highly recommend CIB to anyone looking for a reliable and supportive mortgage advisor.

CB
Carly Bannerman4 March 2026

Adam was amazing at securing us a mortgage with the best rates and deposit options. With quite a tight turnaround he assured us that he would get it done in time for the exchange and all went so smoothly. I couldn’t recommend CIB or Adam enough - if you want someone who will work with you and take away some of the stress of buying and moving, you must contact Adam.

Financial advisers in Glasgow compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 12 businesses in this category in Glasgow are compared.

RankProviderRatingReviewsOpen Sat.
1Intelligent Pensions Ltd★ 5,0185No
2EIS Financial Services Ltd.★ 5,065No
3The McKnight Financial Group★ 5,056No
4KPW Investments★ 5,050No
5DM Pension & Investment Solutions Ltd★ 5,049No
12CIB Financial Management Ltd (this page)★ 4,940No
Contact
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed