Advice you can trust, with a service to make you smile.
Oak Financial is Phil Gamblin's mortgage and protection firm in Cardiff. When you get in touch, Phil is the person you speak to.
Meet Phil.
Phil Gamblin is the founder of Oak Financial and a mortgage & protection broker.
He has worked in finance since 2004, starting at Barclays and moved into mortgages in 2014. He began in specialist lending, so he knows how lenders think about the cases that don’t fit neatly into their criteria, and he has since helped hundreds of clients across the mainstream market too.
You can expect clear explanations, quick replies and definitely no jargon whether you’re buying your first home, remortgaging a buy to let or putting insurance in place.
When he’s not at work, he’s a forty-something Dad of one with a love of music, holidays and trying as many different types of gin as humanly possible.
Meet Amanda.
Mortgage case manager
Amanda is our case manager. She has worked in the mortgage industry for over a decade and is CeMAP qualified.
As our mortgage case manager, she provides dedicated support throughout the application process, liaising with lenders and solicitors to ensure each case progresses as smoothly as possible. Her aim is to help make the mortgage process as straightforward and stress-free as possible.
Amanda is also an experienced landlord with a keen interest in property renovation.
More than twenty years in finance.
- 2004
Barclays Bank
Where it started. All manner of job titles and roles followed, which gave Phil a wide range of experience.
- 2014
Into mortgages
First in specialist finance, helping people with less straightforward circumstances, then the mainstream mortgage market.
- 2023
Oak Financial
Phil's own firm, built on those years of experience and on long term relationships with clients.
In a large and competitive industry, this is how we stand out.
Expert advice.
Arguably the most important thing when you use a broker. We have years of experience in the industry, so the advice you get is right for your circumstances.
Quality service.
Great service begins with flexibility. Appointments are available at times to suit you, including evenings.
Service is at the heart of everything we do. If you are not happy, neither are we.
Honesty and integrity.
We will always be completely honest and open with you. We will not waste your time, and if we cannot help, we will tell you.
You will never get a sales pitch or a hard sell from us, only personalised recommendations.
See how Phil explains things.
The quickest way to find out whether we are the right fit is to watch a few of Phil's videos. He answers mortgage questions on TikTok in short videos and live sessions where anyone can ask.
Why Oak?
The oak tree stands for longevity, strength and stability.
We specialise in forging long term relationships with our clients, based on trust and honesty, to build solid foundations for their future.
Where we work
We are based in Cardiff and advise clients across South Wales and all around the UK by phone and video call.
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.