Scala Financial Services – Mortgages, Protection, Insurance & Wills

Helping you to obtainmaintainretain your property dreams.

SCALA Financial Services are based in Hertfordshire but trusted by thousands of homeowners nationwide due to our solid experience, highly qualified team and family values. Contact us today to see how we can help you.

Financial Advice for all of life's key moments.

SCALA - Your Trusted Financial Advisor

At SCALA Financial Services, we’re proud to be your trusted, independent mortgage and protection broker in Watford, Hertfordshire. We work closely with a wide range of clients, offering tailored advice and practical solutions to suit every stage of the homeownership journey. Whether you’re a first-time buyer looking for step-by-step support, a self-employed professional needing help with complex income documentation, or a buy-to-let investor growing your property portfolio, we’re here to help.

We also specialise in helping clients with adverse credit histories, those looking to remortgage, and individuals seeking the right protection insurance to safeguard their home and family. Our advisers are experienced in supporting expats, contractors, and new-build purchasers, ensuring that no matter your background or financial situation, you receive expert, jargon-free guidance.

There are lots of auxiliary products that we advise on to make sure our clients are given all the information for them to make an educated decision.

Scala pride ourselves on being a family run and family focused business, and you can trust us to look after your best interests and help you find the best rates and services for you. Talk to our experienced and friendly team about we can help you, today.

Completed lending

Happy Clients

What SCALA do

Scala Financial services was formed in 2014, since this time it has forged strong relationships with local estate agents, who like how we take the stress away from their clients when they are looking at ways to finance their new homes. Scala also works with existing and new clients to ensure they are on the most competitive rate for their mortgage whilst also ensuring all clients are fully insured should anything happen that would impact on theirs or their loved ones lives.

Mortgages

SCALA are committed to finding our clients the best rates from the most trusted lenders, whether you’re first-time buyers, downsizing, buy-to-let or buying commercial property.

Insurance

The right insurance can be game-changing when life throws a curve-ball. We arrange Healthcare, Accident & Sickness or Home Insurance – looking after you when you need it most.

Protection

No one knows what the future holds, but if the worst were to happen, would you and your family cope financially? SCALA offer a range of protection products to keep you secure.

Wills

SCALA are a family business who care. Wills are an essential part of life. Let us help you with your important, yet delicate plans for your family’s futur, and your peace of mind.

Fantastic service from Scott and his team. Truly went above and beyond to secure our Mortgage when others couldn’t. Honest, hardworking & genuine people. Highly recommend

P Greenidge

Financial Solutions for homeownersfirst -time-buyersdownsizersfamiliesbuy-to-letretirees

We combine strong local knowledge with the ability to support clients nationwide. Based in Hertfordshire and working closely with clients in and around Watford and the surrounding areas, we understand local property markets and the factors that influence them, while also having access to lenders and solutions across the UK.

Whether you’re relocating, remortgaging, or investing in a buy-to-let property, having an independent adviser who understands both the local market and the wider lending landscape makes a real difference. Our team is here to guide you through every step of your mortgage or protection journey with clear, personal advice you can trust.

Our Vision

Helping families and investors bring their property and financial dreams to life.

Our Mission

We are a family business with family values. We care about your future.

Client Testimonials

Scala Financial Services

4.9

Based on 82 reviews

review us on

paul G.

09:16 03 May 25

Fantastic service from Scott and his team at scala. Truely went above and beyond to secure our Morgage when others couldn’t. Honest, hardworking and genuine great people. Highly recommend

Raj S.

11:12 20 Feb 25

Dear Scott
Following our request to remortgage three properties, two buy to lets and one residential, having exposure to whole of market advantage, you managed to offer us and secure very competitive rates of interest.
We were particularly impressed at the professionalism of your staff and were kept informed at every stage of the process. Your team are extremely dedicated with attention to detail and were always on hand to answer any questions.
We would like to thank you for your time and effort and would have no hesitation in recommending you to our friends, family and clients.
Yours sincerely
Raj and Shina Saigal
Bizzebooks.co.uk

Robbie T.

08:36 30 Jan 25

The team at Scala made the process of buying my first property stress free. They helped secure the best rate for me, recommended a great solicitor and continued to stay in contact throughout the whole process, ensuring everything went smoothly. I couldn’t recommend Scala enough!

Winston L D.

08:10 30 Jan 25

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!

Callum C.

13:56 29 Jan 25

I can’t say enough great things about Steph and Emma at Scala financial services they both made the mortgage process smooth, stress-free, and incredibly efficient. They went above and beyond to ensure I understood every step, found the best possible rates, and closed seamlessly. If you’re looking for a mortgage company that treats you like family while delivering top service, look no further. Highly recommend!

Angela S.

07:26 23 Jan 25

Brilliant service, friendly and literally sorted any problems that came up so quickly and professionally. Would highly recommend

Andrew P.

18:20 10 Jan 25

I’ve had the pleasure of working with Scott and his fantastic team for many years. They are upfront and honest, and their service is truly unmatched. Straight-talking and transparent, you always know they’re doing their utmost to get you the best deal. I’ve recommended Scala many times and will continue to do so.

Thomas S.

16:19 09 Jan 25

We have been using the Scala team for several years and will continue to do so, always honest and give all the relevant information for options available for all the services they provide.
Highly recommended

Charlie G.

06:52 09 Jan 25

We have used Scott and his team at Scala for years. Would highly recommend to anybody looking for a new or remortgage on their property.

Saira B.

17:46 08 Jan 25

Jodi was absolutely amazing in helping us secure a mortgage and supported us throughout the process of buying a house. She guided us through the entire process. As first time buyers, she was amazing!! I'd definitely recommend her for a purchase of any home!