Finding the right mortgage can feel like a challenge, especially with so many options to choose from.
Whether you’re a first-time buyer, moving to a new home, investing in buy-to-let or considering a remortgage, getting the right support can make all the difference.
We take pride in being a mortgage advisor in Bicester that offers clear and honest mortgage advice tailored to you.
By taking the time to understand your goals and current circumstances, we can search the market for a mortgage tailored to your needs.
With clear guidance, you will have the knowledge to make the right choice and feel more confident throughout the process.
Our Customers Rate us 4.9/5
Fitting mortgage arrangements into a busy schedule is not always easy, but we offer, professional mortgage advice in Bicester at a time that works for you.
With appointments seven days a week, including evenings, you can explore your mortgage options without having to change your daily routine.
During your appointment, one of our mortgage experts will take a detailed look at your financial situation and explain the products that may be suitable for you.
From the initial enquiry through to securing your mortgage, their support will ensure a smooth and stress-free process.
Appointments 7 Days a Week
Not every mortgage application is straightforward. If you are self-employed, buying an unusual property or have a history of credit issues, finding a lender willing to consider your application can be more challenging.
We specialise in helping customers as a mortgage broker in Bicester, making the mortgage process as straightforward as possible.
From first-time buyers with limited income records to those needing more specialist mortgage products, our expert advice can help you find the right solution.
With our support, securing a mortgage can feel much simpler and more achievable.
Explore 1000s of Mortgage Options
Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
Buying your first home is an exciting step, but it often comes with questions about affordability, deposits and the mortgage process itself.
Many first-time buyers feel unsure about where to start, but with the right support, securing a mortgage can be much more straightforward.
As your mortgage broker in Bicester, we will be there to guide you, explaining how your deposit size can impact the deals available and helping you explore options suited to your circumstances.
Whether you are employed, self-employed or have a more complex income structure, we offer friendly and professional mortgage advice in Bicester, helping you secure the right mortgage with confidence.
Whether you are moving home for a bigger property, downsizing or relocating, securing the right mortgage is an important part of the process.
Planning ahead and finding the right deal can help make the transition as smooth as possible.
One of our mortgage advisors in Bicester can assess your current mortgage to see if it can be transferred to your new home or find a new deal that suits your financial situation.
By reviewing factors such as your income, credit history and deposit, they can ensure you are well-positioned for your next move.
When a fixed-rate mortgage ends, many borrowers find themselves paying more than necessary.
Remortgaging can help avoid the higher costs of a standard variable rate while also providing opportunities to lower monthly payments, access equity for home improvements or consolidate existing debts.
We offer a free remortgage review, where one of our mortgage advisors in Bicester can compare the latest deals and recommend an option that suits your financial plans.
We specialise in offering clear and straightforward mortgage advice in Bicester, making the process as smooth as possible
For landlords and investors, choosing the right buy to let mortgage is a key step in building or expanding a property portfolio.
Most lenders require a 25% deposit, but some offer options with a lower requirement depending on financial circumstances.
Rental income, personal finances and previous experience as a landlord will all play a role in determining eligibility.
At UK Moneyman, we’re a mortgage broker in Bicester, dedicated to helping you find a competitive deal, simplifying the process and ensuring you secure a mortgage that aligns with your investment goals.
For those looking to buy a home, government-backed schemes can provide valuable financial support.
Some of the most widely used options include:
When you come to us for mortgage advice in Bicester, we can explain these schemes in detail, helping you understand the eligibility criteria and whether they could support your home-buying plans.
For self-employed individuals, securing a mortgage can feel more complex, particularly when proving income.
Many lenders prefer applicants to have at least two years of trading history, but there are options available for those with a shorter track record or a more varied income structure.
As specialists in self-employed mortgages, we can take factors such as your dividends, retained profits and contract work into account to find you a suitable lender.
We provide expert mortgage advice in Bicester, helping you find the right mortgage to suit your needs and supports your homeownership plans.
For those aged 55 and over, specialist mortgage products can provide greater financial flexibility.
These options often focus on long-term financial security or making the most of property equity, popular choices include:
One of our expert mortgage advisors in Bicester, can talk you through these options, explaining how each one works and helping you choose the right approach for your needs.
If you have experienced financial setbacks, such as missed payments or County Court Judgments (CCJs), getting a mortgage may seem more difficult.
While mainstream lenders can be stricter with their criteria, there are specialist mortgage products designed for applicants with credit difficulties.
We take pride in being a mortgage broker in Bicester that can help identify lenders who take a more flexible approach, giving you the opportunity to explore mortgage options that suit your situation.
With the right support, homeownership can still be within reach.
Bridging loans offer short-term financial solutions for those who need immediate access to funds, whether that is to purchase a new home before selling an existing one or to fund property renovations.
These loans help cover temporary financial gaps, but lenders will assess your financial position, the loan amount and your repayment strategy before approving an application.
We specialise in helping customers as a mortgage broker in Bicester explore the most suitable bridging loan options and put a clear repayment plan in place to ensure financial stability.
Our expert mortgage advisors in Bicester are available every day, including weekends, so you can get the advice you need at a time that suits you.
Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.
From application to approval, your personal case manager will keep everything on track and provide regular updates.
Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.
We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.
With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.
Our mortgage experts have decades of industry knowledge, helping customers across Bicester secure the right mortgage.
Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.
The amount a lender is willing to offer depends on key factors such as your income, regular outgoings and deposit size.
Most lenders calculate borrowing potential at around four to 4.5 times your annual salary, though this can vary based on individual circumstances.
If you are self-employed, lenders typically assess affordability by averaging earnings over recent years.
We can review your financial position and help you find lenders who offer options suited to your situation.
While some lenders accept deposits as low as 5%, a larger deposit can improve your chances of securing a better mortgage deal.
Putting down at least 10% may give you access to more competitive interest rates, making your mortgage more cost-effective in the long run.
For applicants with a more complex financial background, such as self-employed borrowers or those with a history of credit issues, a deposit of 10 to 15% may be required.
As a trusted mortgage broker in Bicester, we can explain the different options available, including shared ownership and gifted deposits, helping you take the next step towards homeownership.
Applying for a mortgage while self-employed can involve additional requirements, as lenders typically request proof of income through tax returns, business accounts and bank statements.
This ensures they can accurately assess affordability.
We’re here as your mortgage broker in Bicester, simplifying the process by identifying lenders who specialise in self-employed mortgages.
Even if you have a shorter trading history or a more complex income structure, the right guidance can help strengthen your application and improve your chances of securing a mortgage.
When a fixed-rate mortgage ends, borrowers often face higher costs if they move onto a standard variable rate.
Remortgaging provides an opportunity to secure a new deal, potentially reducing monthly repayments, accessing equity for home improvements or restructuring existing finances.
Lenders will assess your income, credit history and overall affordability before offering a remortgage.
We specialise in offering clear and straightforward mortgage advice in Bicester, comparing deals across the market, helping you find an option that suits your current financial goals.
For many first-time buyers, saving for a deposit can feel like a challenge, but there are ways to make this step more achievable.
Some lenders offer mortgages with just a 5% deposit, while government-backed schemes such as Shared Ownership and the Lifetime ISA provide additional support to help buyers get onto the property ladder.
Our team can guide you through the process, helping you understand how much you could borrow and what steps are involved. With expert advice, securing your first home can feel much more manageable.
If you have experienced financial setbacks, such as missed payments or County Court Judgments (CCJs), getting a mortgage can seem more difficult, but specialist lenders offer products designed for applicants with adverse credit.
These lenders consider a range of factors, including income, deposit size and overall financial stability.
With years of experience as a mortgage broker in Bicester, we’ve helped homeowners lenders who take a more flexible approach, giving them access to mortgage options that suited their circumstances.
With expert support, homeownership may still be within reach.
For those looking to invest in rental properties, securing the right buy to let mortgage is an important step.
Most lenders require a 25% deposit, though some may accept a lower percentage depending on the applicant’s financial profile.
Eligibility is typically based on factors such as projected rental income, personal finances and previous experience as a landlord.
If you are expanding your property portfolio, remortgaging an existing property could allow you to release equity for future investments.
We’re a mortgage broker in Bicester that puts your needs first, with access to a wide selection of lenders, including those specialising in self-employed mortgages, buy to let products and solutions for applicants with credit challenges.
By handling paperwork, comparing mortgage deals and liaising with lenders, they make the process as straightforward as possible.
We offer tailored mortgage advice in Bicester, based on your financial circumstances, we can make sure you have the right support at every stage, making it easier to secure a mortgage that suits your needs.
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