At UK Moneyman, we provide high-quality mortgage advice to all those who get in touch. From the first point of contact, our customers are treated equally and respected right the way through until completion. Whether you are just starting on the property ladder for the first time, you're moving home, a new or current landlord looking for a buy to let mortgage, an existing homeowner looking to remortgage, our mortgage advisors in Oxford will use their expertise & wisdom to help you make the most out of your mortgage journey.Book Online
The perks of using a mortgage broker like ourselves are having a dedicated team of mortgage advisors who are available from morning until later, 7 days a week, including some bank holidays. We offer our customers a flexible service, working at times that best suit you, your work life and your personal life. If you would like to speak with one of our expert mortgage advisors in Oxford, book yourself a free mortgage appointment using the button below and choose from one of the available time slots.Book Online
First Time Buyer 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
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.
Remortgage in Oxford
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.
Buy to Let in Oxford
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.
Help to Buy in Oxford
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.
Self Employed in Oxford
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.
Right to Buy in Oxford
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.
We're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.
Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.
4.98 Rating200 Reviews
IT WAS LOVELY TALKING TO Helen today She was very professional and friendly and very helpful I am looking forward to her colleague Thomas calling me back at 3:30 as a range from conversation on telephone
Everyone at UK Moneyman was really helpful, polite and efficient throughout the process of getting our mortgage offer. As first-time buyers, the process seemed very overwhelming at the beginning but Charlie talked us through each step at the...
Dale was very good and very prompt thank your for your help dale
I spoke to Leaghne and she was very helpful and very patient and polite in all discussions we did. It was very easy to get through.
Really helpful and friendly team that got us the mortgage we wanted.
The service from Charlie and Chloe was outstanding! Charlie was by our side through all the start of the process and Chloe took over later on and helped with every issue we had to make sure everything ran smoothly. They both went above and beyond...
Warm Welcome. Understandi
Just spoke to Aaron very thorough good lad
Seemed a nice, friendly guy. Seemed to understand and actually interested in our application.
Had a great experience very friendly people always available to answer any questions and very knowledgeable would highly recommend their team
Worth every penny. UK moneyman have been fantastic and I could not recommend them more. They work quickly and are easy to get ahold of. They explain everything well and have made buying a house so much easier.
As first time buyers with quite specific needs, we were nervous about choosing a mortgage advisor and worked hard to find the right person and company. Charlie Bryson gave my partner and I the confidence we needed to go ahead. He was honest and...
Excellent service from Matt & Molly. Throughly recommend UK money man
All staff very helpful ..patient and knowledgeable. I was always spoken to professionally and courteously. Wayne gave me sound advice and helped me sort out issues in an area I am new too. Very grateful for help and support given.
Excellent professional service from start to finish. Staff are extremely friendly, professional and kept us informed every step of the way, making what can be an extremely stressful process quick, efficient and hassle free. This is the second time...
House-buying is a very stressful business but obtaining a later-life mortgage with UK Moneyman was a pleasure. The staff were extremely professional, knowledgeable, efficient and polite. They obtained a very good deal for us at the speed of light!...
Very Easy to talk to and Very Helpful.
From the start all the staff I have had the pleasure of dealing with were kind, knowledgeable and helpful, and accommodating to my variable shift patterns. Thank you Jason and Chloe for taking me through it all step by step.
Third time using Moneyman. The service has been excellent every time.