Phil Gamblin, Mortgage Broker in Cardiff
Mortgages.Protection.Proper advice.
Experienced, straightforward mortgage advice with personal support from your first conversation to completion.
Four things you can hold us to.
Proper advice.
A recommendation built around your circumstances and your plans, with the reasons explained in plain English.
Straight answers.
If something will not work, you hear it early. If we cannot help, we will tell you. No sales pitch and no hard sell.
Personal service.
You deal with people who know your case, at times that suit you, including evenings.
Seeing it through.
We stay with you from the first call to the day you complete, and keep you updated at every stage.
What can we help you with?
See all servicesMortgages
- First time buyersFrom your first conversation to the keys to your first home.
- Moving homeA new mortgage for your next home, or moving your current one with you.
- RemortgagesComing to the end of a deal, raising money or changing the names on a mortgage.
- Bad credit mortgagesMissed payments, defaults, CCJs or a debt management plan in your history.
- Self-employed mortgagesSole traders, company directors and contractors.
- Buy to letFirst rental property, growing portfolio or limited company.
Protection
The broker behind the videos.
Phil answers mortgage questions on TikTok, in short videos and in live sessions where anyone can ask. Quite a few of our clients first found us there.
What clients say afterwards.
Read more reviewsI originally came across Phil on TIK TOK and was amazed at his indepth answers to questions from hundreds of people when he was on a "Live" This prompted me to book a call with Phil and the rest was history.
From start to finish, Phil and his team were fantastic! Communication was always clear, and they were on top of anything they needed to help with our house purchase. Being self-employed added an extra twist, but we are now living in our family home and can't recommend Oak Financial enough for everything during this process.
Both Phil and Amanda made the process of getting our mortgage offer as first time buyers really simple and easy, even with an upcoming job change and they both had very quick replies to any of our questions throughout the process.
How it works, start to finish.
A first conversation
A free call to understand where you are and what you want to do. No obligation.
Your options, explained
We research lenders and products against your circumstances, then explain what we recommend and why.
Application handled
We prepare and submit the application, deal with the lender and tell you what is happening at each stage.
Through to completion
We stay involved until you complete, and we are here when your deal is next due for review.
Run the numbers first.
Free calculators to help you plan before we speak. No sign up needed.
Cardiff based. Here for South Wales and the rest of the UK.
We are based in Cardiff and advise clients across South Wales, and anywhere in the UK by phone and video call.
How much can I borrow?
There is no hard and fast rule. Every lender works out affordability differently, based on its own criteria and your circumstances. They look at the size of your deposit, your credit profile, your income and your outgoings.
Our affordability calculator gives a rough guide. A conversation gives you a real answer.
How much deposit will I need?
Most residential lenders ask for a deposit of at least 5% of the property value. For buy to let, lenders usually ask for around 25%. A bigger deposit generally opens up more lenders and lower rates.
Can I get a mortgage with bad credit?
Often, yes, although it depends on what happened, how much it was for and how long ago. Some lenders decline for a couple of missed payments. Others will consider defaults, CCJs and debt management plans, usually at a higher interest rate.
We are not here to judge. Read more about bad credit mortgages.
Do I need life insurance to get a mortgage?
No. Lenders do not make life insurance compulsory. It is worth thinking about if anyone depends on you financially and you would want the mortgage paid off if you were no longer around.
Ready when you are.
Book a free, no obligation call. We will talk through where you are, what you want to do and whether we can help.