Every move starts with a reason.
Buying a home isn’t just a transaction — it’s a change in pace, space or priorities.
Whether you’re buying your first home, moving up, or navigating a more complex purchase, we help you secure the right outcome for the life you’re building.
How we support your move
Clear advice where it matters —
before, during and long after you move.
Mortgage advice
Helping you secure the right mortgage for the life you’re building — whether that’s your first home, your next move, or something more complex.
Insurance & protection
Thoughtful cover designed to protect your home, income and family, so life can carry on, whatever happens.
Why People Choose
Oakstead Finance
More choice, less compromise
We explore the whole market so your mortgage supports the life you’re building — not just today, but longer term.
Calm guidance when it matters
Experience that helps you make clear decisions, even when circumstances are complex.
Advice that’s on your side
Independent guidance with no pressure, no tied products, and no hidden agenda.
Clarity at every step
Plain English, realistic timelines, and no last-minute surprises.
“We had a number of specific requirements and James met all of them with the product he managed to find and recommend. He kept us updated throughout the whole process and delivered excellent customer service.”
T&G Jones
“James is so personable, helpful and got me a fantastic deal. He is a pleasure to work with and made the impossible possible!”
f saunders
Oakstead Journal
Guides and insights to help you make better decisions about home, life and money.
KIRE – Keeping It Real Estate
Driven by a vision to bring authenticity and fun to the real estate market, Michael McHale co-founded KIRE (Keeping It Real Estate) with Samuel Patterson. The company’s ethos revolves around being genuine, knowledgeable, and not taking themselves too seriously, which...
The Remortgage You Didn’t Know You Were Missing
There's a version of this that happens more often than it should. A fixed rate ends. Life is busy. The lender writes to confirm the new rate — something higher, something that sounds vaguely reasonable in isolation — and because nothing dramatic happens, because the...
What Self-Employment Actually Looks Like to a Mortgage Lender
There's a version of this conversation that happens regularly. Someone who has been self-employed for several years — earning well, managing their finances carefully, building something they're genuinely proud of — sits down to explore a mortgage and discovers that...
A considered approach
We start by understanding what matters to you — your plans, priorities and the bigger picture — before offering clear, thoughtful advice you can rely on.