Tailored Advice, Exceptional Service from your Trusted Provider of Mortgage Advice in Oxfordshire

Assisting You Through Every Stage of Your Mortgage Journey.

Buy to Let Mortgages - Build Your Property Portfolio with Confidence

📈 Thinking About Investing in Property?

Whether you’re an accidental landlord, purchasing your first investment property, or already managing a portfolio of rentals, one thing is certain:

Buy to let isn’t as straightforward as it used to be.

With rising regulation, complex tax implications, and stricter lender criteria, it’s never been more important to get expert, tailored advice—and that’s exactly what we provide at Drummonds Finance Group.

We’ve helped countless landlords across Oxford, Bicester, and the rest of the Uk secure the right mortgage and build long-term financial security through smart property investment.

Speak to a Mortgage Adviser

Find out what mortgage rate are available for you. It take less than 60 seconds.

The Changing Landscape of Buy-to-Let Finance

In recent years, buy-to-let has evolved. Lenders have tightened their criteria and regulatory requirements have increased. These changes mean that a one-size-fits-all approach to buy-to-let finance no longer works.

Stricter Lending Criteria: Lenders now assess your personal financial situation as well as the potential rental income from your property.

Regulatory Changes: With evolving government policies, staying informed is essential to avoid costly pitfalls and ensure compliance.

At Drummonds Finance Group, we have extensive experience and deep market knowledge. Our independent approach means we’re not tied to any single lender—we can compare a wide range of products to find the one that suits your unique circumstances.

Professional Guidance: One Less Thing to Worry About

Navigating the buy-to-let mortgage market can be challenging. Many investors find themselves overwhelmed by the paperwork, the lender requirements, and the evolving market conditions. Here’s how our expert team can help:

Personalized Advice: We start by understanding your individual circumstances. Whether you’re a first-time investor or managing a portfolio, we’ll assess your income, current liabilities, and future plans to tailor our advice.

Market Knowledge: Our team is up-to-date with the latest regulatory changes and lender criteria. We know what to look for and can guide you through each step of the process.

Wide Lender Access: Thanks to our strong relationships across the market, we can access competitive rates and terms from a wide range of lenders. This means you’re more likely to find a mortgage product that fits your needs perfectly.

By working with us, you’re not just getting a broker; you’re gaining a trusted partner who understands the nuances of buy-to-let finance. This allows you to focus on building your property portfolio while we handle the complexities of mortgage finance.

📊 Individual or Limited Company Buy to Let?

Should you invest personally or through a limited company? That’s one of the most common questions landlords ask—and the answer depends on your goals.

We’ll walk you through the pros and cons of each, including:

Tax efficiency
Ease of borrowing
Future flexibility
Long-term strategy

We'll work alongside your accountant or financial adviser if needed, making sure your mortgage structure fits your full financial plan.

⚖️ Increased Regulation = The Need for Expert Advice

The buy to let market has become more regulated in recent years:

Stricter affordability assessments (based on rental income and stress testing)
Changes to mortgage interest tax relief
Stamp duty surcharges on second properties
Licensing requirements in many local councils

These changes mean that simply picking the cheapest rate is no longer enough.

You need a broker who understands:

Your long-term strategy
How rental income is assessed
What lenders are looking for
How to structure your borrowing efficiently

At Drummonds Finance Group, we stay up to date with all regulations and lender criteria, so you don’t have to.

Secure Your Financial Future with Expert Advice in Oxford Today!

Our Services

Complete Financial Solutions for Every Step of Your Journey

First-Time Buyers

Entering the financial planning world for the first time can feel daunting.

Our team is committed to simplifying this experience by dividing it into manageable steps.

We offer personalised guidance, ensuring you understand each aspect of the financial process and make well-informed decisions.

Moving Home

Relocating can be complicated, but with our thorough support, you can focus on settling in while we manage the financial details.

We help assess your financial capacity, secure favourable terms, efficiently handle the paperwork, and ensure a seamless transition throughout the process.

Remortgaging

Whether you aim to lower your monthly expenses, switch to a more favourable interest rate, or release equity for other investments, our financial expertise is here to assist you.

We strive to make the process simple and hassle-free, providing peace of mind with every decision.

Buy To Let

For landlords and property investors, navigating the financial landscape involves understanding constantly changing regulations and financial products.

We provide expert advice tailored to these requirements, ensuring your investment remains profitable and compliant with current laws.

The Drummonds Advantage

Mortgages Made Simple

With Clear, Professional Guidance From Start To Finish

Choosing Drummonds Financial Group means more than just securing mortgage advice; it's about partnering with a team dedicated to transparency, efficiency, and bespoke service.

As a leading provider of financial advice in Oxfordshire, we offer unparalleled expertise, ensuring your experience is smooth from the initial consultation to completion.

Ready to streamline your financial journey? Get in touch with us today to enjoy the Drummonds advantage, featuring expert, personalised advice at every stage.

Why choose a local mortgage broker in Oxford?

As a local broker, we have in-depth knowledge of Oxford's property market, enabling us to provide personalized advice and access to exclusive deals not available through national lenders
How quickly can I get a mortgage approval?

We can typically secure an Agreement in Principle within 1–48 hours, depending on your circumstances.
Can I get a mortgage with a low deposit?

Yes, we work with lenders offering 5% deposit mortgages and can advise on schemes like Shared Ownership to help you get on the property ladder
Do you offer services for self-employed individuals?

Absolutely. We specialize in securing mortgages for self-employed clients, even with just 1–2 years of accounts.
What documents are required to apply for a mortgage?

Proof of ID (passport or driving license) Recent payslips (last 3 months) Bank statements Proof of deposit For self-employed: 2–3 years of tax overviews and SA302s
What additional costs should I budget for?

Legal fees Valuation/survey fees Mortgage arrangement fees Stamp Duty (if applicable) Moving costs Home setup expenses
How long does it take to complete a mortgage in Oxford?

On average, a mortgage can take 2 weeks to complete from application to offer, depending on the complexity of the case. At Drummonds Finance Group, we often secure a mortgage offers faster than 2 weeks for straightforward applications with all documents ready. Factors that can speed up the process include: Fast responses from the client Clear credit history Prompt valuations and solicitor work We work closely with lenders, valuers, and solicitors to keep things moving and minimise delays wherever possible.
Is Oxford a good place to buy property?

Yes, Oxford is widely regarded as one of the best places to invest in property in the UK. It boasts a strong local economy, world-class educational institutions, a vibrant cultural scene, and excellent transport links. The demand for housing in Oxford remains high due to its university population, medical and research centres, and proximity to London. Whether you're a first-time buyer, a home mover, or a buy-to-let investor, Oxford offers long-term value and strong rental potential.
Will house prices go up in Oxford?

While no one can predict the market with complete certainty, Oxford’s housing market has shown consistent long-term growth. Limited housing supply, a high volume of renters, and ongoing demand from students, professionals, and commuters support future price resilience. Economic forecasts and local development plans indicate that prices in Oxford are likely to continue rising over time, especially in well-connected and sought-after areas.
What is the average house price in Oxford?

As of 2025, the average house price in Oxford is approximately £525,000, though this varies widely depending on the area and property type. Flats typically range from £275,000 to £400,000 Terraced homes average around £500,000 Detached houses often exceed £800,000 Premium areas like Jericho, Summertown, and Headington command even higher prices.
What should I look out for when buying a house in Oxford?

Proximity to transport links – access to Oxford Parkway or mainline rail for London commuters can affect value. School catchment areas – top-rated schools like Cherwell School and Oxford High can increase demand. Leasehold vs. Freehold – many central Oxford flats are leasehold, so always check the remaining term and service charges. Flood zones – some areas near the River Thames or Cherwell may carry flood risks. Planning and development – check the Local Plan to see if any major changes or developments could affect the area.