Why we might be the ones who can help.
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.
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.
We are based in Cardiff, but we give advice to clients all around the UK via Zoom and phone. Of course, if you’re local to us then we are more than happy to arrange a face to face meeting
A forty-something Dad of one, with a passion for music, gin, and the property industry.
Having been a mortgage advisor for the best part of a decade, customer service is at the forefront of everything he does, as well as trying as many different types of gin as humanly possible.
Arguably the most important thing when using a broker. We have years of experience in the industry to provide you with the correct advice for your circumstances, every single time.
Great service begins with flexibility. Our appointments are available at times to suit you, including evenings and weekends.
Our process can be tweaked for your personal preferences to make things as easy and smooth as possible. Service is at the heart of everything we do. If you’re not happy, neither are we.
Our experience in the finance industry dates back to 2004 at Barclays Bank. Since then, all manner of job titles & roles have come and gone giving us a wide range of experience.
We settled in the mortgage market in 2014, initially in the specialist finance area but later mainstream mortgage market, and haven’t looked back since.
Violina Guetzova2025-07-08Trustindex verifies that the original source of the review is Google. Phil took ownership of my application from the start, thoroughly explaining every step of the process and anticipating my questions. He was recommended to me not only for his knowledge and experience but also his open and honest communication. After being stuck in one too many meetings with estate agents' in-house mortgage brokers, Phil's transparency and down-to-earth style was truly a breath of fresh air. He took care to take as much of the tedium out mortgage application, making it as clear and painless as possible, so I'd definitely recommend his services, to anyone new to this process. Asad Iqbal2025-07-07Trustindex verifies that the original source of the review is Google. I am in the process of buying my first home and due to my mega busy lifestyle and from doing my research i decided to use Phil at Oak Financial. Phil was offering his services at a very good price and i’m so pleased with the level of service he has provided. Phil is really knowledgeable, works very fast paced and does not waste time (exactly what you need). I definitely will use him again and recommend him. I needed someone who would manage things quickly for me and answer all my questions/guide me and Phil certainly met my expectations. justin thompson2025-07-04Trustindex verifies that the original source of the review is Google. Phil has been brilliant from start to finish. He guided us through the whole mortgage process with clarity and patience, even when things got a bit stressful. He always kept us informed, answered every question quickly, and found us the best deal possible for our situation. Would definitely recommend him to anyone looking for a reliable, honest broker. See you in 5 years for the remortgage. Lizzie Philpott2025-07-02Trustindex verifies that the original source of the review is Google. Phil was absolutely amazing. The initial call was so useful for answering all my questions, and he was able to secure a much higher mortgage amount than anywhere else on the market for a great rate, meaning I was actually able to buy a house I wanted. His communication throughout the whole process was excellent, and I absolutely will come back to him in 2 years time for a remortgage. Thanks Phil! Ben Tipping2025-06-30Trustindex verifies that the original source of the review is Google. Outstanding!! Would give more than 5 stars if I could!! The best advisor I've ever worked with or could hope to work with by a mile. Phil is friendly, knowledgeable, professional and fast. Anything we asked was never too much trouble and and the whole process was made so so easy with Phil's support and knowledge. Next time we need Phil's we will go out of our way to work with him. Really first class and has a customer for life in me.. Greg Sulley2025-06-24Trustindex verifies that the original source of the review is Google. Phil was fantastic throughout our home move process - clear in explanations, responsive to our queries, and proactive in arranging our mortgage and protection policies. Excellent service, would fully recommend! Aimee Rayner2025-04-15Trustindex verifies that the original source of the review is Google. Phil was the most patient, kind, knowledgeable and professional mortgage broker we came across in our journey to finding a home. He truly puts 100% into everything he does, and leaves no stone unturned during the process. He made things I thought I did not deserve possible, and for that, I will continue to use his services and shout him out from the rooftops. You absolutely will not regret choosing Phil for your house hunting needs. Good luck to all! Katie F2025-04-14Trustindex verifies that the original source of the review is Google. Phil was brilliant to work with. He was friendly, kept us in the loop throughout the whole process, and responded to our queries promptly. He made finding our mortgage so much easier and far less stressful. Honestly couldn’t recommend him enough. Thanks Phil! Joe Alves2025-04-11Trustindex verifies that the original source of the review is Google. From the first time I spoke to Phil I knew he was the right person to help me buy a home. His knowledge and professional advice was second to none. Always quick with answers for my questions. His professional advice and recommendations were a big help. Thanks for your help and great communication Phil. Will use his knowledge again in a couple years. Would absolutely recommend Phil and his company. Martin Brimicombe2025-04-11Trustindex verifies that the original source of the review is Google. Brilliant service, friendly and efficient. Explained every step! Thank youGoogle rating score: 5.0 of 5, based on 48 reviews
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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.
If you wish to register a complaint, please either
Write to: The Money Group, 27 Bridgegate, Rotherham, S60 1SN
Telephone: 01709 242927
Email: Compliants@themoney-group.co.uk
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at