Buy to Let Mortgage Broker
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.
Oxford Mortgage Broker: Our Services
Comprehensive Mortgage Solutions for Every Stage of Your Journey—From First-Time Buyers to Seasoned Investors.
First-Time Buyers
We provide personalised guidance, ensuring you understand every aspect of the mortgage process and make informed decisions.
Moving Home Mortgage
Relocating can be complex, but with our comprehensive support, you can focus on finding your new home while we handle the financial details.
Remortgaging
looking to reduce your monthly payments, switch to a better interest rate, or release equity for other investments?
Buy To Let Mortgage
For landlords and property investors, navigating the buy-to-let mortgage market requires understanding ever-evolving regulations and financial products.
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.
-
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.