Ox and Hart

is Carbon Neutral

This means we did not add to global warming in the year of certification as we saved the same amount of greenhouse gas emissions as we produced.

This has been independently validated by Go Climate Positive.

About us

Ox & Hart Financial Services are an award-winning mortgage and protection advisory service with over 14 years experience in the industry. We help clients throughout Oxfordshire and the Home Counties.

Our mission statement is to become a truly carbon neutral business. We no longer work within a typical office environment that is over-reliant on fluorescent lighting and coal-fired electricity.

We instead opted for a virtual business address and conduct most of our operations from home. Our energy consumption is 100% renewable and we are also, for the most part, paperless – even our business cards are digital! We encourage our partners to reduce their paper usage too. We aim to create a sustainable future, seeking inspiration from the past.


We are committed to reducing our Carbon Footprint by

1. Reducing our emissions from the use of energy (scope 1 & 2) by 5% yoy

2. Reducing our emissions from the goods and services we purchase (scope 3, cat 1) by 5% yoy

3. Reducing the intensity of our emissions (Kg CO2e per £1,000 turnover) by 7% yoy

4. Investigating installation of Intelligent Heating Controls

5. Reducing our emissions form travel by using bus & efficient diary planning

6. Investigating archiving for non GDPR compliant cloud files


Our Net Emissions is the total amount of greenhouse gases we produced in the year once the amount we saved has been taken into account.

Net Emissions



Carbon Footprint

This is the total amount of greenhouse gases we produced in the year.

Actual Emissions



Equivalent to


flights London-New York

Carbon Handprint

This is the total amount of greenhouse gases we saved in the year.

Offsets Purchased



Emissions Avoided




Our benchmarks allow us to compare our emissions with the average amount that other organisations in our industry sector produce.

Emissions relative to size


tCO2e per £m turnover


This chart shows how our emissions have changed over the last 5 years.


We are providing efficient cookstoves in Malawi

We have invested in a carefully selected range of offsetting projects, like this one that is making childhood safer, creating jobs and saving firewood in Malawi by providing efficient cookstoves.

Exposure to indoor cooking smoke is the world’s leading killer of children under five and is reported to be responsible for around four million deaths per year. In addition, Malawi alone loses 2,000km2 of forest a year due to 93% of the country’s energy demand coming from wood fuel. 91% of rural households use traditional three-stone stoves that use a lot of wood, produce prodigious smoke and cook food relatively slowly.

All projects in this portfolio are Gold Standard Certified

We are investigating intelligent heating controls 

We already purchase 100% renewable energy, but we recognise the importance of reducing our energy consumption to ensure that there is enough supply o renewable energy as demand increases..

We have committed to investigate installing an intelligent heating controller. This can save energy use by learning how you need to use energy. It can get to know the temperature that you like when you’re at home and turn itself down when you’re away. It can learn how your home warms up or how draughty it is, so it only uses the energy it needs.

‘Go Climate Positive’ is a membership programme that makes it easy for businesses to calculate, reduce and offset their carbon emissions. It is designed to adhere to the GHG Protocol Corporate Standard and Corporate Value Chain Standard.

Click here to learn more

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