Business Details
23 Years
experience
Your Trusted Mortgage Broker in Solihull
Established in 2003, Oak Tree Mortgages has built a reputation for delivering tailored mortgage advice across Solihull and surrounding areas. Our team of seasoned advisors, with over a decade of industry experience each, specialises in navigating complex mortgage markets to secure optimal solutions for clients. We prioritise transparency, offering fee-free services in most cases and maintaining independence from specific lenders to ensure unbiased recommendations.Our commitment to a personal approach is reflected in our 4.8-star Google reviews, with clients consistently praising our accessibility, expertise in handling non-standard cases, and efficient processing of applications. From first-time buyers to buy-to-let investors, we provide comprehensive support throughout the mortgage lifecycle, including remortgaging and property portfolio expansion.
Services
Moving Home Mortgage
Remortgages
First Time Buyer Mortgage
Buy to Let Mortgage
Automotive Shift Workers Mortgages
Details
- Year established: 2003
Highlights and features
- Our team has over 10 years' experience in mortgage advising
- We offer fee-free services for most mortgage applications
- Specialists in complex cases including shift workers and non-standard properties
- 4.8-star Google reviews from satisfied clients
- Independent brokers with access to exclusive lender deals
Associations and certifications
- Financial Conduct Authority
What people say
Approachable and accessible
Honest and impartial advice
Smooth application process
Expertise in complex cases
Competitive mortgage deals
Services
Moving Home Mortgage
We specialise in helping clients transition to new properties while managing existing mortgage obligations. Our advisors assess portability options, calculate early repayment charges, and identify suitable lenders for new purchases. With a streamlined digital process, we handle documentation and third-party communications to ensure smooth transitions for home movers.
Remortgages
Our remortgaging service helps clients secure better rates when existing deals expire or when capital is needed for home improvements. We compare current lender offers with market alternatives, considering early repayment charges and long-term implications. The process uses our secure portal for document submission, potentially saving hundreds annually through rate optimisation.
First Time Buyer Mortgage
We guide first-time buyers through the entire mortgage process, from initial affordability assessments to final approvals. Our service includes explaining fixed vs variable rates, calculating total costs, and sourcing suitable products for non-standard circumstances. We provide continuous support from application to completion, ensuring clients understand all aspects of their mortgage commitments.
Buy to Let Mortgage
Our buy-to-let specialists access exclusive lender deals and navigate complex eligibility criteria for property investors. We handle application processes through our digital portal while providing market insights on rental yields and portfolio expansion. We also arrange specialist landlord insurance products with comprehensive coverage options for investment properties.
Automotive Shift Workers Mortgages
We address the unique mortgage needs of automotive industry workers with variable income patterns. Our advisors identify lenders accommodating shift allowances and irregular pay structures, particularly for Jaguar Land Rover employees. We simplify the application process through tailored documentation guidance and direct lender negotiations to secure viable mortgage solutions.
People
Andrew Rawlings
Partner
With over 23 years' experience, Andrew founded Oak Tree Mortgages in 2003 to provide customer-focused mortgage solutions. He specialises in demystifying mortgage processes and securing suitable deals for complex cases, leveraging extensive industry knowledge to benefit clients across Solihull and surrounding areas.
Calvin Oram
Partner
Co-founder Calvin brings deep expertise in new build properties and holiday home mortgages. With a background in teaching and financial services, he established Oak Tree Mortgages in 2003 to offer transparent, client-centred advice, specialising in challenging mortgage scenarios and lender negotiations.
Debbie Cutts
Mortgage Advisor
Debbie has supported diverse mortgage needs since 2003, specialising in first-time buyer mortgages and complex property transactions. Her approach focuses on making the mortgage process accessible and stress-free, drawing on extensive experience with varied client circumstances and property types.
Westley Gordon
Mortgage Consultant
Westley offers specialist knowledge in mortgages for shift workers, NHS staff, and self-employed individuals. With prior experience at Coventry Building Society, he provides expert guidance on non-standard income mortgages, ensuring clients receive tailored solutions that match their unique financial situations.
Questions
What mortgage services do you offer in Solihull?
We provide moving home mortgages, remortgages, first-time buyer mortgages, buy-to-let financing, and specialist mortgages for shift workers across Solihull and surrounding areas.
How does your mortgage application process work?
Our process begins with a consultation to understand your needs, followed by product selection, document submission via our secure portal, and ongoing support through application completion and mortgage offer.
Do you charge fees for mortgage advice?
We don't charge fees for most mortgage applications. Our revenue comes from lender commissions, with transparent disclosure of any costs involved in your specific mortgage transaction.
Can you help with complex mortgage situations?
Yes, we specialise in non-standard cases including shift workers, self-employed individuals, and non-standard property types, leveraging our lender relationships to find suitable mortgage solutions.
Do you offer online mortgage consultations?
Yes, we provide online consultations via video call for convenience, with face-to-face meetings available at our Solihull office upon request for specific requirements.
How do you ensure competitive mortgage rates?
As independent brokers, we access exclusive lender deals and compare multiple options to secure the most competitive rates tailored to your individual circumstances and financial goals.
