Our tailored mortgage & protection solutions come with easy to understand, jargon free advice.
So, whether you’re buying your first home, refinancing a buy to let property, or putting in place life insurance, you can be sure that you’ll be met with great service, an easy process and advice you can understand.
Tom Humphriss2024-11-14Working with Phil has been an absolute pleasure throughout the entire mortgage process. From our first Zoom call to the move-in date, he was always easy to reach, clear in his communication, and incredibly responsive. Not only did Phil guide us seamlessly through every step, but he also secured the best possible rate tailored to our situation. We truly appreciate his expertise and dedication. Thanks again, Phil—we'll definitely be reaching out to you again in the future!Amy R2024-11-08Phil was incredibly helpful throughout the process of getting our first mortgage. He explained everything clearly, was there to answer questions whenever we needed and generally made everything less stressful. Not only that, but he answered everything in a friendly way so you never feel like you’re asking a stupid question. We felt that we could rely on Phil to have everything under control, and trusted him in getting us the best option for our situation, which is great when you have absolutely no idea how any of it works! Phil also helped us with life insurance which took some pressure off us too. Overall we would really recommend Phil to anybody looking to buy a house. His help has been invaluable - straightforward without being judgemental or patronising. Thank you Phil! :)charleigh mawson2024-09-27Me and my partner are first time buyers, and Phil has been brilliant throughout the whole process. Always available to assist with queries and finding the best mortgage deal which suits your circumstances. The journey hasn’t been easy (conveyancing side) , but Phil made it much more bearable! We have already recommended Phil to family and friends but will continue to do so. Thank you Phil! :-)Dave Mason2024-09-04Hassle free remortgage and working to a tight deadline, Phil Gamblin was brilliant thanks very much.Shola N2024-09-04Phil was absolutely amazing. I was very nervous and apprehensive about getting a mortgage on my own. Phil was full of advice and knowledge. Speaking with him was like talking to a friend, via email and phone. He continued to work on getting me a great mortgage rate, right up until the exchange of contracts! He really did go the extra mile. I'm so glad I found him on tiktok, best decision I made this year was reaching out to him.R Thomas2024-08-12Phil was great from start to completion, got us the best deal around and stayed in touch throughout the process. Would highly recommendFrazer Grant2024-07-22Phil was extremely helpful. Made the process incredibly simple. And went the extra mile for us. Incredible customer servicePabloCasts2024-07-11Phil at Oak Financial has not only held our hands throughout the whole process, he has also offered a ton of options, talked through the consequences of different decisions, given anecdotal evidence of why some some products are chosen over others and been not just a broker but a friendly ear as well. He has had to negotiate some tricky steps as myself and the mrs are both self employed and we have ended up with a mortgage from one of the best banks after over 15 years of trying.Dogs Go2024-07-09Would give 6 stars if it was an option! Phil is extremely informative, acts quickly, offers practical advice and manages expectations. His level of customer care is excellent. You won't get better. I found Phil on Tiktok and I would recommend following his channel as you will learn so much. I wouldn't go anywhere else and have instructed all friends and family to use Phil. Thank you for getting me two mortgages!L Palmer2024-07-08We cannot recommend Phil Gamblin highly enough! He worked with us on our recent remortgage which was complicated to say the least. We found Phil on TikTok and watched his live feed one evening after loosing all hope of ever getting another mortgage. From start to finish the whole process took less than a month and Phil was always on the end of the phone to answer any questions no matter how big or small! Thank you once again Phil for helping us regain our lives backGoogle rating score: 5.0 of 5, based on 36 reviews
To ensure you’re experience is as smooth as possible, we have developed a bank of free tools to help you out.
As the mighty Oak Tree represents longevity, strength & stability, we specialise in forging long term relationships with our clients based on trust and honesty, to build solid foundations for their future.
Oak FS Ltd trading as Oak Financial is registered with the Data Protection Act 1998 Registration Number ZB473115 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1015779 and are an Appointed Representative of TMG Direct Limited which is authorised & regulated by the Financial Conduct Authority under Firm Reference Number 786245 and registered with the Data Protection Act 1998 Registration Number: ZA178200.
Think carefully before securing debts against your home. Your home may be repossess if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.