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Mortgage Advice in Oxford

Are you a first time buyer in Oxford looking to get onto the property ladder and want to know your mortgage options? If so, by speaking with one of our expert mortgage advisors in Oxford, not only will they guide you along the entire process, but they can keep you informed and free of industry jargon, sending you well on your way to receiving the keys to your dream home.

Our advisors can tell you the maximum amount you can borrow and look to obtain a mortgage agreement in principle. Usually, our team can get this turned around and back to you within 24 hours of your initial appointment. It’s always a good idea to have received a mortgage agreement in principle ahead of time when you start making offers on a property.

Moving home in Oxford can be cited as one of life's most stressful experiences, but it shouldn't have to be, especially when you factor in your mortgage aspects. The good news is that homeowners looking to do so that having a mortgage broker in Oxford on hand will be very beneficial.

We'll aim to get your process sorted as swiftly and efficiently as we can. Let us deal with the mortgage aspects to take the stress away, leaving you to focus more time on the move itself.

Before your fixed term mortgage comes to an end, you may need to think about your options. Our mortgage advisors in Oxford will take a look at what remortgage options are available. They will take a look at your situation and recommend the appropriate next step for you to take.

In some cases, we find that customers like to remortgage to release equity for home improvements, whilst others look to use it to pay off their debts, and some do it to access better rates. Our team has much experience in various situations so that they can provide you with expert remortgage advice in Oxford, so please get in touch, and we'll see how we can help.

Our expert team of mortgage advisors have experience dealing with buy to let mortgages. We have helped many landlords obtain a buy to let mortgages in the past. Our advisors can find you the most appropriate mortgage for what you are looking to achieve with your investment purchases.

Some returning landlords return to us for our services to add more to their property portfolio or to remortgage a property they already have. We can also help those looking to let out their current property to raise funds to purchase a new home to live in; this is called let to buy.

If you are a first time buyer in Oxford looking to buy a new build property, you may benefit from utilising one of the governments Help to Buy Scheme, depending on if you are eligible.

If you need a higher deposit, take out a loan of up to 40% and add 5% from your savings. You have now opened yourself up to better rates for your mortgage. It is important to remember that this is, in fact, a loan and will need to be paid back.

It can be challenging for self employed applicants to secure a mortgage. Some challenges can include not meeting a lender’s criteria or showing enough evidence to prove you can keep up the monthly payments. Our mortgage advice team in Oxford have helped many self employed mortgage applicants and have much knowledge regarding the criteria and what lenders require.

Any self employed applicant who owns more significant than 20-25% of their business will need to have been self employed for at least two years. Generally speaking, mortgage lenders will need information from you based on that period.

The Right to Buy Scheme allows tenants in England to partially purchase their council property if they fit the criteria to be eligible for the scheme.

Depending on the length of time you have been living in the property and the value of the property, you will be granted a discounted purchase price. Often because of this discount, you will not be required to put down a deposit, though it's essential to have some money saved to cover the necessary costs.

Ensure you have spoken to either the council or housing association that owns your property and see if you are eligible for the scheme. Once you know that you qualify for the scheme, your local authority will offer you a price to buy the property then time to contact your mortgage broker in Oxford to check your eligibility and affordability for a mortgage.