Mortgage Broker Oxfordshire

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Oxfordshire

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Oxfordshire Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Be wary of 'quick fix' credit improvement organisations

Some companies offer to fix your credit score in little or no time. You should be extremely suspicious of spending any money on these as the hard truth is that a credit score cannot normally be fixed quickly.

Anything that one of these companies claim to be able to do you can do yourself. If there's a mistake on your report, you yourself can work to fix it by communicating with the agency with appropriate evidence. You don't have to pay a company a fortune to do it for you. And if you've got credit problems, these can be fixed, by you, over time.

Fixed Rate Mortgage

A fixed rate mortgage is one where the interest charged on your monthly repayments is fixed for a particular set period; 2, 3, 5 and 10 years are the most common. You benefit by knowing exactly how much money you'll have to have put aside each month without having to worry about what is happening in the capital markets and whether the Bank of England base rate will rise (thus making your repayments more expensive).

When the set period comes to an end, your mortgage then becomes subject to the bank's standard variable rate (SVR) which means that it then moves in line with an index, which is most commonly the Bank of England's interest rate, referred to above. You can then opt either to stay on the SVR or to take out a new fixed rate mortgage, either with the same provider or with a new one.

Interest rates charged on fixed rate mortgages are often initially higher than for those chargeable under the SVR, however the repayment sum cannot rise higher meaning there's more peace of mind. You should be wary, however, of leaving a fixed rate mortgage before the fixed period has finished, because you'll normally have to pay a hefty early repayment charge to do so.


Oxfordshire is a county located in the south east of England and can be known by the abbreviated name of Oxon. It borders Warwickshire to the north/north-west, Northamptonshire to the north/north-east, Buckinghamshire to the east, Berkshire to the south, Wiltshire to the south-west and Gloucestershire to the west.

Oxfordshire is the most rural county in the South East. The UK's nationalised motor industry used to be based in Cowley, nowadays the county is a centre for bioscience, advanced motorsport, engineering and scientific research. Oxford hosts the world famous university of Oxford, with its fantastic architecture and academic excellence.

Property Price Stats for Oxfordshire


Average property price in Oxfordshire£381,139
% Change compared to last year8%
Population of Oxfordshire654,800 (2014)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Oxfordshire - Recently Completed

  • Bagley Wood Road, Kennington, Oxfordshire OX1 5LY
  • 25 Chilton Fields, Chilton Field Way, Chilton, Didcot, Oxfordshire, OX11 0SQ
  • The Vineyard, Clifton Hampden, Oxfordshire, OX14 3EQ
  • 26 Chapel Close, Wantage, Oxfordshire OX12 7DY
  • 10 Vintner Road, Abingdon, Oxfordshire. OX14 3PF

Local High Street Banks in Oxfordshire

Mortgage Broker in and around Oxfordshire

Our Oxfordshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Moreton-in-Marsh, Bibury, Ettington, Buckingham, Haddenham, Kings Hill and Lambourn.

Which banks are local to you?


  • Virgin Money - 129 High St, Oxford OX1 4DF
  • TSB - 13 High St, Witney OX28 6PH
  • Lloyds - 8 Ock St, Abingdon OX14 5AP

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Oxfordshire

Mortgage Brokers Oxfordshire offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Oxfordshire Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Oxfordshire which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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