Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
Access to the Whole Market
FREE* consultations
for Oxfordshire
for Oxfordshire
Convenient
Remote Appointments
Remote Appointments
Impartial Mortgage Advice
FT Top 100 Mortgage
Advisors 2022
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Bank of England Base Rate
4.75%
Changed from 5% on the 7th November 2024.
How to get a mortgage in Oxfordshire
Property prices in Oxfordshire vary drastically across different locations. For a detached property in Witney, the average price is £557,811, however in Henley-On-Thames that goes up to £1,203,897.
Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Witney | £55,781 | £111,562 or £55,781 per salary with a joint purchase |
Henley-On-Thames | £120,389 | £240,779, or £120,389 per salary with a joint purchase |
Are you self-employed? 5 Tips for Getting a Self Employed Mortgage
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Oxfordshire
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
#1 Top Tip
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.
#2 Top Tip
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.
Buyer? If you have specific enquiries you wish to ask the seller, get these over as quickly as possible through your solicitor.
Many enquiries are easy to answer, but others will require the seller to produce specific documentation, which they may have to obtain from third parties.
The sooner you get your own enquiries to the seller through your solicitor, the less opportunity there is for delays.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Oxfordshire
The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Oxfordshire mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Oxfordshire mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage product and aren't really interested in finding a better deal, it is always worth using a mortgage broker, and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender that they currently bank with. Even then, it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank that you won't have access to.
Most mortgage brokers make their money in a flat fee or a commission, which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand-selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
*SAM Conveyancing has negotiated a FREE Mortgage Consultation with our panel mortgage broker. This allows you a free mortgage consultation to discuss your specific requirements and provide mortgage opportunities for the Service being requested. If you want to proceed with a formal mortgage application through your mortgage broker, then a mortgage application fee maybe payable. If there is a fee to pay for your mortgage application, it will be explained to you at the point of discussing your mortgage options.
You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.
Read our - Terms and Conditions.
SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.
The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
You can disengage the services of your Mortgage Broker before making a formal application, and no fee will be levied.
Read our - Terms and Conditions.
SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.
The FCA does not regulate SAM Conveyancing and does not provide any insurance or mortgage products, nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
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
Watch our video to find out how to organise your mortgage and funding for your purchase.
