If you are considering moving home in Oxford, we would always recommend that you look at obtaining an Agreement in Principle as soon as you possibly can. This allows you to figure out exactly how much you will be able to borrow & how much your payments are likely to be. It also means that you'll have a better chance of being successful at formal application.Get Started
Generally speaking, an Agreement in Principle will last for around 90 days but it is quite easy for us to get these refreshed if you don't find a property in that time. If you are locked into a fixed rate mortgage, we can get in touch with your current mortgage lender to see if they will “port” your current deal to your next home, without triggering any kind of early repayment penalties. By enlisting the help of a mortgage broker in Oxford, you'll hopefully have reduced stress levels, allowing you to focus on the move itself.Apply Now
The short answer to this question is yes, a lot of mortgages are 'portable'. This means you may have the option of transferring your existing mortgage to a new property in Oxford. On a technicality though, you will be, in essence, reapplying for that deal. In this case, if your circumstances have changed at all, then you may no longer qualify and you will need to undergo credit checks again.
You'll have to bear in mind that there will be a lot of costs when moving home in Oxford, more so than a first-time buyer would have. These can include; estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and mortgage broker in Oxford fees.
When you move, your legal representative will have to pay off your existing mortgage in full using the proceeds of the house sale. From there, you will either need to start a new mortgage in Oxford for a new property purchase or if your lender will allow you to do so, port it.
You may have the option of paying off your mortgage in Oxford in full at any time, so long as your lender allows for it and you're wary of any early repayment charges that may apply. The majority of mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year, if you are still in your introductory, discount or fixed mortgage period. If you are on a standard variable rate you may have the option of paying more than this amount.
We're flexible around your busy work and family life in Oxford, we'll be there when you need us.
No upfront fees payable, you only need to pay us upon mortgage success in Oxford!
Whether it's a mortgage administrator or a mortgage advisor in Oxford, you'll always know who you are dealing with.
Getting your first mortgage in Oxford can be a intimidating experience. We’ll hold your hand all throughout your mortgage process.
We'll recommend appropriate insurance products, ensuring you can stay at home in Oxford, should you become seriously ill or unable to work.
As a mortgage broker in Oxford, we can find the cheapest deal for you, saving both your time and your money.
There isn't a situation we haven't come across before, your mortgage advisor in Oxford will fully understand your needs.
When you get in touch for mortgage advice in Oxford, we'll help you with any mortgage hurdles that you face along the way, such as property survey and valuation problems.
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The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Fantastic service from Tom Bowes
Excellent service, great communication & highly professional
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would...
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and...
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding...
Informative, friendly, helpful and efficient service.
Really glad I went with UK Moneyman for my first mortgage, explained everything to me so well and was always on hand when I needed them as I work long hours at weekdays so having appointments on the weekends was so helpful for me, would definitely...
Tom and Chloe were super helpful with our first time mortgage. We had a couple of properties fall through but Tom was there to help and guided us through the whole process.
I think anyone would have difficulty finding a more helpful and friendly Financial Advisor. We used them to find a suitable later life mortgage and their effort and persistence in the face of some difficulties (caused by our particular...
Good advice and a professional hand both made the process seem effortless. Full marks for a service and result!!
Wayne and Paula have been very helpful in helping me purchase my first house would highly recommend them to anyone wanting a mortgage advisor! Wayne was also very flexible with time as I have very odd working hours and worked out a time for phone...
Excellent service, Tom and Lynsey were responsive and extremely helpful including in resolving issues of transferring the offer to another property when the seller of the first property I was buying pulled out.
It's the 3rd time I've dealt with the team at UK Moneyman, as before they have been informative, punctual, detailed and a pleasure to deal with. I couldn't reccomend them more highly.
Excellent communication from start to finish. Highly recommend.
Very friendly and provided all the information I needed.
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Excellent experience all around, used for two mortgages and will use again