Scala Financial Services

Scala Financial Services - St Albans Broker | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Scala Financial Services

At Scala Financial Services, I understand that navigating the mortgage landscape can often feel overwhelming, particularly for those with unique circumstances. Based in Kings Langley, I specialise in a wide range of mortgage solutions tailored to meet diverse financial needs. Adverse credit situations can present challenges, but my expertise in this area ensures that I can guide you through options that may be available. I work closely with lenders who understand the nuances of adverse credit, helping you find a suitable pathway to homeownership or investment. For those interested in buy-to-let ventures, I provide insights into the current market trends and lending criteria specific to landlords. Understanding the intricacies of property investment can be daunting, but I’m here to simplify the process, ensuring you are well-informed at every step. Commercial mortgages are another area where I excel. Whether you’re looking to acquire a new premises or refinance an existing property, I can assist in identifying the right financial products that align with your business goals. Expatriates often face distinct challenges when securing mortgages in the UK. My knowledge of the expat mortgage market allows me to assist individuals who are returning home or investing from abroad, ensuring you have access to options that fit your status. First-time buyers can feel particularly anxious about entering the property market. I provide clear guidance on available schemes and financial options, helping you understand what you can afford and how to make your first purchase a reality. Remortgaging is a strategic move that can lead to significant savings or better terms. I analyse your current mortgage situation and explore alternatives that might enhance your financial position, whether you're looking to reduce monthly payments or release equity. For those with a portfolio of properties, I offer insights that cater to complex financial arrangements.

Specialisations

Adverse CreditBuy-to-LetCommercialExpatPortfolio

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

4.9(86 reviews)

Suzana RR

17 Dec 2025

I dealt on a painful mortgage with a cladded high rise flat in central London with Jodi P, she did a more than a phenomenal job. Me being a first time buyer, Jodi was super patient with all my queries and paper work. She gave me great advise and guidance throughout. Her response time was immediate anytime there was a question or movement with the mortgage. Communication level 100%! Could not sincerely recommend more! Thank you for everything

Dave Y

4 Dec 2025

We had a fantastic experience working with Polina as our mortgage adviser. The whole process was straightforward, and she took the time to tailor options to our personal circumstances. Because we allowed plenty of time for the process, Polina kept in touch with us throughout, which proved invaluable. Thanks to her proactive approach, we were able to lock in a deal early, and it even improved further as the rate changes came through.

Suzanne Sophie

27 Oct 2025

Can’t recommend Scala enough! They went above and beyond to ensure that my mortgage offer was made and then went further above and beyond to keep in contact with the solicitors handling the transaction and kept me continually updated on solicitor progress. Thank you so much for all of your help, I would not use any other mortgage broker in future!! 5*

Winston L Davis

30 Jan 2025

I can’t thank Scott and all the team at Scala Financial enough for their help in securing our first home. Their professionalism, care, and patience made what is usually a stressful process so much more manageable. From start to finish, they guided us through every step, answering all our questions and ensuring we felt confident along the way. Their dedication truly transformed our lives, and we’re absolutely loving our new home! I highly recommend Scala Financial to all family, friends, and anyone looking for expert mortgage advice. If you need a team that genuinely cares and delivers results, these are the people to call! Thanks again, Scott & team!

James Claridge

8 Jan 2025

Jodi @ Scala Financial Services was incredible! She made the entire mortgage process for our new home stress-free and straightforward. Her expertise, professionalism, and friendly approach were second to none. Jodi kept us informed, answered all our questions, and was a delight to work with from start to finish. We couldn’t be happier and highly recommend her!