Oak Financial Services

Business Details

23 Years

experience

Expert Mortgage & Financial Advice Watford

Established over two decades ago, Oak Financial Services has built a reputation as a trusted partner in mortgage and protection solutions. Our team of highly qualified advisors leverages advanced technology and extensive market knowledge to deliver personalized financial strategies tailored to individual client needs. We operate as directly authorised advisers, granting access to the entire mortgage market while maintaining transparent fee structures.

With a commitment to professionalism, we provide comprehensive consultations without upfront costs, ensuring clients receive expert guidance through every stage of their financial journey. Our FCA authorisation and regulated status underscore our dedication to ethical practices and client protection.

Services

Mortgages Equity Release Contractor Mortgages Buy-to-Let Remortgages Protection Plans Bridging Finance Commercial Mortgages

Details

Year established: 2003

Highlights and features

Direct access to whole mortgage market through FCA authorisation
Personalised service combining technology with 20+ years' experience
Exclusive mortgage products unavailable on high street
Transparent fee structure with free initial consultations
Team of qualified advisors specialising in complex cases

Associations and certifications

Financial Conduct Authority

Website

Update Listing

Services

Mortgages

We provide comprehensive mortgage solutions tailored to individual circumstances. Our FCA-regulated advisors access 1000+ products across the market to find optimal rates. Services include first-time buyer mortgages, buy-to-let financing, and remortgaging options with transparent fee structures.

Equity Release

Specialist equity release schemes allow homeowners to access property wealth without relocation. We offer impartial advice on lifetime mortgages and home reversion plans, ensuring clients understand all implications before committing to these long-term financial products.

Contractor Mortgages

Tailored mortgage arrangements for contract workers and self-employed professionals. Our experts navigate complex income structures to secure competitive rates, leveraging relationships with specialist lenders who understand non-traditional employment arrangements.

Protection Plans

We offer life insurance and income protection policies to safeguard families against financial hardship. Our advisors help clients select appropriate coverage levels, including whole-of-life policies for inheritance tax mitigation and critical illness protection.

Remortgages

Our remortgaging service identifies cost-saving opportunities by comparing current deals against market alternatives. We handle the entire process from initial assessment to completion, ensuring clients understand potential savings and associated fees before proceeding.

Questions

What mortgage types do you offer?

We provide all mortgage types including first-time buyer, buy-to-let, remortgages, equity release, and specialist contractor mortgages through our whole-of-market panel.

Are your services free?

Initial consultations are free with no obligation. Our charges depend on loan amount and case complexity, always explained clearly before proceeding.

How do you differ from high street banks?

As independent advisers, we access exclusive products unavailable directly from lenders, offering impartial advice across 1000+ mortgage options.

What protection services are available?

We offer life insurance, critical illness cover, and income protection policies tailored to individual needs, including inheritance tax mitigation strategies.

Are you regulated?

Yes, we're authorised and regulated by the Financial Conduct Authority (FRN 458639) with all advisors holding professional qualifications.

Reviews (2)

Write a Review

Lucy Craggs

Mar 25, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I recently used Oak Financial for the first time, and I have been so pleased with their service. Matt helped myself and my partner throughout the process of purchasing a property - he is incredibly informative, professional and knowledgeable. Highly recommend.

Christopher

Aug 20, 2018 Report

Have used Oak Financial Services for years and always received fantastic service through the excellent products they are able to offer, their keen understanding of your circumstances to the care they take in keeping you updated and informed at each step along the application process. Have recommended their service to many friends and family and each time I only have the best reports from the expert advice provided that is communicated in a easy to understand and logical way.