Masoud Samadi
3 Feb 2026Josh 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.
Joshua Thomas Finance is an FCA-regulated mortgage broker based in Vale of White Horse, OX12 7EJ, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 5/5 from 192 reviews.
Unverified profile
Verification is pending.

Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
Awaiting broker claim/verification to unlock team profiles.
Masoud Samadi
3 Feb 2026Josh 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 2026Josh 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 2025I’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 2025I 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 2025We 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!
No memberships listed.
Regulatory Status
Direct Authorisation
Get clarity on rates, affordability, and next steps in one quick conversation.
This broker is currently not verified
Contact details will unlock when the broker verifies the listing.
Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.


Crawley, South East
The Finance Planning Group is a mortgage broker based in Crawley, South East.

Stantonbury, South East
Allegro is a mortgage broker based in Stantonbury, South East.

Southampton, South East
Threshold Mortgage Advice is a mortgage broker based in Southampton, South East.

Haywards Heath, South East
Finance Planning is a mortgage broker based in Haywards Heath, South East.
This listing is not yet verified.
Tell us your goals and budget in under 2 minutes and we will suggest suitable FCA-regulated verified brokers nearby.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
This broker is currently not verified
Contact details will unlock when the broker verifies the listing. This your company?
Tell us your goals and budget in under 2 minutes and we will suggest suitable FCA-regulated verified brokers nearby.
Social Media
Follow Joshua Thomas Finance on social media for updates and insights.