Joshua Thomas Finance

Joshua Thomas Finance - Mortgage Advice Oxford | 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 Joshua Thomas Finance

At Joshua Thomas Finance, I understand that navigating the mortgage landscape can often feel overwhelming, whether you’re a first-time buyer stepping onto the property ladder or an experienced landlord expanding your portfolio. Based in Wantage, I specialise in providing expert guidance across several areas, including Buy-to-Let, Help to Buy, remortgages, and residential mortgages. When you choose to work with me, you’ll encounter a structured process designed to clarify each step of your mortgage journey. From the initial consultation, I prioritise understanding your unique circumstances and aspirations. This insight allows me to present options that align with your financial goals, ensuring you are well-informed and confident in your decisions. For first-time buyers, I focus on demystifying the process. I’ll help you explore various schemes, including Help to Buy, to maximise your opportunities in securing your first home. My goal is to equip you with the knowledge and tools you need to make informed choices without unnecessary stress. Landlords can benefit from my extensive knowledge of the Buy-to-Let market. I provide insights into current trends, helping you understand the implications of different mortgage products on your investment strategy. Whether you're looking to expand an existing portfolio or venture into property for the first time, I offer practical advice tailored to your specific needs. Remortgaging can be a strategic move, often overlooked. I assist clients in assessing their current mortgage arrangements and exploring options that could lead to better financial outcomes. Whether you aim to reduce monthly payments, release equity, or switch to a more suitable product, I guide you through each stage of the remortgaging process. Ultimately, my commitment is to make your mortgage experience as seamless and straightforward as possible. I strive to foster a clear communication channel, ensuring you feel supported throughout.

Specialisations

Buy-to-Let

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(192 reviews)

Masoud Samadi

3 Feb 2026

Josh was excellent throughout our mortgage process. Very knowledgeable, responsive, and always happy to explain things clearly. As first-time buyers, we really appreciated his support. Highly recommended.

Philip Cook

29 Jan 2026

Josh has been superb throughout the process of helping me with remortgaging. He takes all the pain & confusion away and calmly explains the prob & cons of all options. I’d highly recommend him to anyone trying to navigate the minefield of mortgages.

Anthony Simmonds

16 Dec 2025

I’ve been working with Tom for several years now, and he’s always been professional and approachable. He listens carefully and understands my personal circumstances, especially when it comes to property exchanges. I wouldn’t hesitate to recommend his services. Thank you, Tom! I look forward to collaborating again in the future.

Wioletta Kulbacka

3 Dec 2025

I had an outstanding experience with Tom B at Joshua Thomas Finance. From my first conversation he took the time to understand my situation, clearly explained all my options, and guided me through each step of the mortgage process in plain. Communication was excellent – responded quickly to emails and calls, kept me updated throughout, and made what could have been a stressful process feel smooth and organised. Thanks to his knowledge of the market, he secured a competitive deal that suited my needs and time line. I felt genuinely supported from start to finish and would not hesitate to recommend him to friends and family. Tom explained everything clearly, answering lots of questions patiently. I was lest stressed, confident in the decision I made thanks to his great work. Wioletta Kulbacka

Katja R

10 Oct 2025

We were recommended Josh as our Mortgage Advisor by family, and it made the journey of buying our first house so much easier! Although we were both first-time buyers, a mix of employed and self-employed job roles had made it really difficult to navigate the mortgage market on our own. Josh was so helpful and knowledgeable, and amazingly patient with answering all of my many questions. He also managed to find us a much better mortgage within our budget. We would definitely recommend his services to others, and he will be our first person to contact if/when we need advice again!