Terms and Conditions

In the interest of treating customers fairly, we request that you read the terms and conditions below prior to completing an application.



First Oak Capital Limited, Technology House, Station Road, Alton, Hampshire GU34 2PZ

For the avoidance of doubt, First Oak Capital Limited is not a lender; we are a Credit Broker and the purpose of our service is to introduce you to a suitable lender.

First Oak Capital Limited is authorised and regulated by the FCA for credit-related activities with reference number 984955.  This can be verified by viewing the financial services register or contacting the FCA on 0800 111 6768.

You will not receive advice or a recommendation from us. We may ask you some questions to narrow down the selection of products/options that may be available to you or your business. You will then need to make your own choice about how to proceed.

How can we help?

We can introduce you to a number of lenders who may be able to help fund your purchase or provide a finance facility to your business. We can only introduce you to these lenders.


No, you make no payment to us; however a lender may pay us for making an introduction of business.


No, we are not independent financial advisers and therefore unable to provide you with independent financial advice. Please talk to your accountant or advisor before making any decisions if you feel unsure.


We provide our service free of charge to all customers. If you are completely satisfied with a loan offer and decide to proceed, we may receive a commission from the lender, the value of which is decided by the lender and may vary depending on factors such as; the loan size, the type of asset being financed, the type of finance product and your credit score. Typically we will be paid a percentage of the loan amount which you receive and if you wish to know how much this is you may write to us requesting that we inform you.

Private Individuals

The commission we earn will not affect the amount you have to repay under any agreement or the monthly repayment.

Business customers

Some lenders do give us the ability to increase or lower the interest charges in order to affect the amount of commission we may receive. This is always included in the monthly payment and total amount repayable.

What can you do if you wish to complain about our services?

Information about how to make a complaint and our full complaints policy can be found here www.firstoakcapital.co.uk/complaints-policy


These terms and conditions are the contract between you and First Oak Capital Ltd. By visiting or using our website, you agree to be bound by them. Some of our suppliers may also impose additional terms and conditions to which your contract with them will be subject.

First Oak Capital Ltd, company number (14170340) incorporated in England, whose registered address is Technology House, Station Road, Alton, Hampshire, GU34 2PZ.

These are the website terms and conditions of First Oak Capital Ltd. Please read these Terms and Conditions carefully, they set out the basis on which you are permitted to use this website and the information that is contained within it. They protect you as a user of the Website and prevent the Site from being used for any illegal or unauthorised purposes.

By proceeding with access to this Site, you are deemed to have accepted both these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these terms you should leave the Site now.


We endeavour to ensure that the information on the Site will be accurate and helpful at all times. However, we cannot ultimately warrant the accuracy of all the information and cannot be held liable for any use or reliance you may make of or put on it except as specifically agreed with us in any further agreement we might make with you in writing.

The information contained on the site is general in nature, and is intended as a guide only to the types of finance products and services offered by First Oak Capital. Users are advised to consult with First Oak Capital and to check any finance product or service information for further specifications.


Under 18 years? Sorry, but we can only deal only with people who are legally able to enter into a binding contract.

You may not under any circumstances seek to undermine the security of the Site or any of the information submitted to or available through it. In particular, but without limitation, you may not seek to access, change or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the coding, software or information comprised in the Site.

You are solely responsible for any information submitted by you to our site. You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.


First Oak Capital Ltd reserves all right to material on our website. The trade marks, service marks, and logos contained on or in this Site are registered and/or owned by or licensed to First Oak Capital Ltd. You may not reproduce part or all of the contents of the Site in any form unless it is for personal and non commercial use. You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, costs, losses, damage and expenses, including without limitation legal fees incurred by us should you breach any of the terms of this section.


This Site may include links to other third party websites which are not owned, operated, or controlled by First Oak Capital Ltd. We provide you with such links solely for your convenience. The inclusion of such links does not mean or imply that we endorse any Third Party Website, its availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website. First Oak Capital Ltd does not accept any liability for any loss,expense,damages, costs or liability whatsoever incurred by you in respect of these Third Party Websites.


We do our best to ensure that the information on the Site is accurate at all times, however, we cannot ultimately be held accountable for the accuracy of that information and cannot be held liable for any use or reliance you may put on it. The information contained on the website is general in nature, and is intended as a guide only to the types of finance products and services offered by First Oak Capital Ltd. Users are advised to consult with us and to check any finance product for specific information. The Site includes links to other websites which are not owned or operated by us. First Oak Capital Ltd provides such links for your information and your convenience. The inclusion of such links on our site does not mean or imply that we endorse the content or any agreement or understanding you enter into with a third party through such a link. First Oak Capital does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these third party websites. We try at all times to ensure that the information on the Site is up to date, accurate and complete. In using the Site however, you agree to be bound by the Terms & Conditions, which take effect from the date of your first visit to the Site. We endeavour to make sure that the Site operates properly at all times, but we accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to the Site (which includes without limitation) any errors or omissions contained in the Site or if the Site is unavailable and we shall not be liable for any direct or indirect: Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); Loss of goodwill or reputation; or Special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.


These Terms and Conditions constitute the entire agreement between you and First Oak Capital Ltd concerning your use of this Site and supercede any previous arrangement, agreement, undertaking or proposal, written or oral between you and First Oak Capital Ltd in relation to such matters. First Oak Capital Ltd reserves the right to update these Terms and Conditions from time to time without notice. You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version. These Terms and Conditions shall be governed by and construed in accordance with English law and you agree to submit to the exclusive jurisdiction of the English Courts. If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect. First Oak Capital’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, First Oak Capital Ltd. First Oak Capital and our business partners will use your personal details and information we obtain from other sources to deal with your enquiries, consider your application, including carrying out credit searches, for marketing and to ensure that the services and advertising we offer are tailored to your needs and interests. We and our business partners may contact you by mail, telephone, email or other electronic messaging service with offers of products or services that may be of interest to you. By providing us with your contact details, you agree to being contacted by the methods and for the purposes set out in, and in accordance with, our Privacy Policy. All calls made to and from First Oak Capital Ltd may be recorded for training and quality purposes. In assessing your loan application, we will make enquiries about you including searching your record with the credit reference agencies. You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated process in deciding whether to accept your application. Your information may also be sent to a 3rd party for further loan options who may also search your record with the credit reference agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

8. Privacy Policy

Our legal basis for processing your data is Legitimate Interest. You will find further information about our Privacy Policy in a separate document found on our Privacy Policy page here.

9. Making a Complaint

What to do if you have a complaint

If you do have a complaint about any aspect of our service and advice, we would like to hear about it so that we hopefully put things right and improve our service going forward.

We aim to make it easy for you to tell us about a complaint and to give it the attention it deserves by dealing with it promptly to ensure you are satisfied with how your complaint was resolved.

How to complain, you can :

  • Call us on 0800 066 3677. We are available Monday to Friday 9am – 5pm. (please note we are closed on public holidays and weekends)
  • Email us at [email protected]
  • Write to : The Complaints Department, First Oak Capital Ltd, Technology House, Station Road, Alton, Hampshire, GU34 2PZ

Eligible complainants

It is our policy to treat all complainants the same, however, eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.

The Financial Conduct Authority complaints rules apply to complaints:

  • Made by, or on behalf of an eligible complainant
  • Relating to regulated activity
  • Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience.

If you are not an eligible complainant we will make this clear when acknowledging your complaint.

How long will it take?

We will aim to resolve your complaint within three working days and promptly send you a ‘Summary Resolution Communication’, being a written communication from us which:

  • Gives reference to the fact that the complainant has made a complaint and informs the complainant that The Company now considers the complaint to have been resolved;
  • Informing the complainant that if they subsequently decide they are dissatisfied with the resolution of the complaint they be able to refer the complaint to the Financial Ombudsman Service; and
  • Providing the website address of the Financial Ombudsman Service; and Reference to the availability of further information on the website of the Financial Ombudsman Service.

If we are unable to do this, we will write to you within five working days to explain what we have done to resolve the problem or to acknowledge your complaint and inform you of when to expect a full response.

We will endeavour to provide you with our final response within ten working days of receipt of your complaint and The Financial Conduct Authority (FCA) requires us to issue this final response within eight weeks of receiving your complaint. This will set out clearly our decision and the reasons for it. If any compensation is offered then a clear basis of the calculation will be shown. We consider a complaint closed when we have made our final response to you. This does not prevent you from exercising any rights you may have to refer the matter to the Financial Ombudsman Service.

What to do if unhappy with our decision

Financial Ombudsman Service

If you have been provided with a regulated finance agreement and are not still unhappy with our response, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). You must do this within six months from receiving our final response.

When we send our final response we will also provide you with a copy of a leaflet from the FOS.

The contact details for the FOS are :

The Financial Ombudsman Service
Exchange Tower
London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad).

If you have any questions regarding our complaint procedure, please contact us on 0800 066 3677

Your Consent

We take your continuing use of our service as your consent to our terms of business as outlined in this document and as available at www.firstoakcapital.co.uk/terms . If you do not consent to these terms please notify us immediately and we will stop providing our services. For your own benefit and protection you should read these terms carefully. If you do not understand any point please ask for further information.

Matt Whiteman

I do hope you find this page useful

If you want my team at First Oak Capital to help you arrange finance, just book a call.


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