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.
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 recommend
Frazer Grant2024-07-22Phil was extremely helpful. Made the process incredibly simple. And went the extra mile for us. Incredible customer service
PabloCasts2024-07-11Phil 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 back
Katie Reynolds2024-06-26Phil offers a fantastic service. He listened to my needs, advised accordingly, was quick to respond to any queries I had relating to my remortgage process, got me a good rate and is just an all round great guy. Highly recommend. ⭐️⭐️⭐️⭐️⭐️
Christian Whelan2024-06-25To put it simply, I highly recommend Phil! He helped me with arranging life insurance and income protection, and it couldn’t have been an easier process. Sourced exactly what I required immediately at an affordable price, and even obtained new quotes straight away when I updated some information. Nothing was too much work and it took no time at all to sort out with him. I will definitely use Phil going forward when it comes time to renew my mortgage and any other services he offers and am happy to recommend him to family and friends, which I already have.
Nadine Brasier2024-06-24We used Phil for our mortgage on our first home. He was extremely helpful and made the process stress free. Phil talked us through our options and helped us decide on the best mortgage for our situation, he was also happy to answer any questions we had even after our mortgage was accepted. Overall we had a fantastic experience and I can’t recommend Phil enough.
Samuel Fuller2024-06-24I 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. Phil is incredibly knowledgable on a variety of lenders and different products that would be suitable for our needs. He went above and beyond to get our offer over the line and always stayed in contact with updates. I will 100% be using Phil's services again. I've previously used a different broker to look into our mortgage options and can clearly see now the differences are huge. It is without a doubt a blessing when you find a broker who delivers a fantastic service, the effort Phil goes to deserves nothing but 5 STARS. Thanks again Phil.
Emma Bloomfield2023-09-13I initially found Phil via Tiktok, he was giving out advice on mortgages. It prompted me to sign up for a discussion on my upcoming mortgage renewal. He was extremely knowledgeable, friendly and professional - I knew straight away he was going to be the one I trusted with my mortgages going forward. He set me up with the best deal for my circumstances, and it was all done super fast. And true to his word he keeps tracking to check you are on the best deal, right up until the moment it starts - in doing so, when the % rate changed, he signed me up again to save more money. I would HIGHLY recommend Phil and I have been recommending him to friends already.
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.
