About Oak Financial.

Why we might be the ones who can help.

Oak Financial is a mortgage & protection firm,, with years of experience in the financial industry.

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

Phil Gamblin, Founder/ Mortgage & Protection Broker.

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.

In such a large and completive industry, we need to make ourselves stand out - we do so by…

Expert advice.

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.

Quality service.

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.

Honesty and Integrity.

We will always be completely honest and open with you. We won’t waste your time and if we can’t help, we’ll tell you. You’ll also never get a sales pitch or a ‘hard sell’ from us, only personalised recommendations.

Our motto is simple: advice you can trust, with a service to make you smile.

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.

    
 
 
         
   Charlie Crook 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used oak Financial as a first time buyer Phil and Amanda has been amazing along the hole way being extremely quick answering any questions and offering advice along the way even helping out finding solicitors and advising though the process. I would Highly recommend
  
 
        
   Shaheem 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really great experience. Phil was super helpful from day one explaining everything and making me understand what can be done and how it all works. Guided me every step of the way. Once Amanda took over the experience was equally as easy. Very professional and friendly. Without Oak Financial I may not have been able to achieve my dream home. I am super thankful for finding them via tiktok. A lot of people questioned when I said I found my broker from tiktok lol but I have no regrets. Will definitely be recommending.
  
 
        
   Jake Bessell 
 
 
 
 Trustindex verifies that the original source of the review is Google. I couldn’t recommend Phil Gamblin and Amanda Humphreys at Oak Financial highly enough. The service throughout the whole process of buying my house was excellent. I was kept fully updated at every stage, with everything explained clearly and all the important timings communicated to me along the way. Buying a house can obviously be quite stressful, but their professionalism and communication meant I felt completely relaxed and confident that everything was being taken care of properly. I’m extremely grateful that I chose to use their services and very thankful for all the help and support I received. I wouldn’t hesitate to recommend them to anyone buying a property. An absolutely first-class service from start to finish. Jacob Bessell.
  
 
        
   Nadeem Akhtar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing from start to finished phil and Amanda helped me with my mortgage. Kept me informed all the way long and gave great advice. Highly recommended.
  
 
        
   Samuel Fuller 
 
 
 
 Trustindex verifies that the original source of the review is Google. I 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.
  
 
        
   Tyrone Chappelow 
 
 
 
 Trustindex verifies that the original source of the review is Google. Used Oak Financial for our two previous mortgage deals who found us the most suitable products for our circumstances. saving us time, money and stress. Not to mention the exemplary customer service we recived which made the process worry free. Any questions we had were answered promptly. Highly recommend
  
 
        
   Matt Skinner 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   jack adams 
 
 
 
 Trustindex verifies that the original source of the review is Google. We moved into our house a few weeks ago and phil and amanda made it so easy after a bad experience  i contacted phil and from mortgage application too an offer was 24 hours which is unbelevable and from then amanda guided us through the rest of the process with ease a really good experience start too finish
  
 
        
   Cai Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Askir Ali 
 
 
 
 Trustindex verifies that the original source of the review is Google. I initially had a phone call with Phil and he explained the process. Needed some documents that tool me time to obtain due to holiday etc. Once everything was provided the remortgage was so quick. These guys make it so painless and easy I was questioning myself on how quick it was. I have tried to remortgage through the bank myself and that was painful and time consuming. These guys remove that stress and trust me it is worth it. The best in the business 👌🏽
  
 
  
 
  
 
   Google rating score: 5.0 of 5, based on 88 reviews