Mortgage Broker Oxford
Mortgage Broker in Oxford
Drummonds Finance Group
Looking for expert mortgage advice in Oxford? At Drummonds Finance Group, we’re a local, independent mortgage broker helping first-time buyers, home movers, landlords, and professionals secure the right mortgage from over 100 UK lenders. We offer trusted, tailored advice with a personal touch.
🎯 Get Expert Shared Ownership Mortgage Advice
Client in Headington
Mark and Ayesha, a couple moving from London to Oxford, struggled to get the mortgage they needed due to freelance income and credit card debt. We secured them a £420,000 mortgage at a competitive fixed rate and had their AIP ready in 48 hours.
Now they’re settled in their new home near Summertown with peace of mind.
Speak to a Mortgage Adviser
Find out what mortgage rate are available for you. It take less than 60 seconds.
✅ Access to competitive broker rates.
✅ Quick turnaround times and mortgage offers
✅ Deal directly with a dedicated, friendly broker
✅ Oxford-based Local Mortgage Broker
✅ Whole of market with Access to over 100 lenders
Local Expertise, Unmatched Advantage
Why Choose an Mortgage Broker?
Choosing a local broker can be incredibly beneficial, especially in a city like Oxford, which has unique housing market dynamics.
As a leading Oxford Mortgage Broker, we intimately understand the local property landscape. This allows us to provide insights and access to a diverse range of mortgage products that may not be readily available elsewhere.
We commit to securing the most competitive rates and terms that align with your financial goals.
Buying your home in Oxford with confidence
Are you ready to buy your dream home in Oxford, but unsure where to begin with your mortgage? You're not alone. The Oxford property market is competitive, fast-moving, and full of opportunities—but without expert advice, it can feel overwhelming.
That’s why working with a trusted Oxford mortgage broker is key. At Drummonds Finance Group, we help clients easily navigate the mortgage maze, ensuring you get the right deal, at the correct rate, from the right lender.
Whether buying a flat near Oxford University, a family home in Headington, or remortgaging in Bicester, the mortgage process is one of the most important financial decisions you'll ever make.
Types of Mortgages We Offer in Oxford
First-Time Buyer Mortgages - Buying your first home in Oxford? We’ll guide you through every step, from budgeting to securing a 5% deposit mortgage or a Shared Ownership property. Read our First-Time Buyer Guide
Home Mover Mortgages - Moving up the ladder or downsizing in Oxfordshire? We’ll help you port your mortgage or switch to a better deal with minimal hassle. Read our Home Mover Guide
Remortgage Deals - Is Your Fixed Rate Ending? Don’t risk your lender’s expensive SVR. We’ll compare remortgage deals and handle the paperwork. Check out our Remortgage Advice
Buy-to-Let Mortgages - Want to invest in Oxford’s thriving rental market? We help landlords (including first-time investors) secure BTL mortgages with competitive rates and stress-test support. Check out our BTL Advice
Mortgages for Self-Employed and Contractors - Income doesn’t look traditional? No problem. We specialise in helping self-employed professionals, freelancers, and contractors get approved with just 1–2 years of accounts.
Bad Credit Mortgages - Missed payments, defaults, CCJs, or a poor credit score? We work with specialist lenders to help you find a mortgage even if you’ve been declined elsewhere.
Tailored Advice, Exceptional Service
The Drummonds Advantage
At Drummonds Financial Group, we pride ourselves on being your reliable partner in the mortgage journey and the number 1 Oxford mortgage broker.
We focus on delivering tailored mortgage solutions that meet your specific needs and financial situation.
Our status as a premier Oxford Mortgage Broker empowers us to deliver unmatched expertise, making your mortgage experience seamless from initial consultation to completion.
Ready to simplify your mortgage journey? Contact us today to experience the Drummonds advantage with expert, personalised advice every step of the way.
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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
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How quickly can I get a mortgage approval?We can typically secure an Agreement in Principle within 1–48 hours, depending on your circumstances.
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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
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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.
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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
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What additional costs should I budget for?Legal fees Valuation/survey fees Mortgage arrangement fees Stamp Duty (if applicable) Moving costs Home setup expenses
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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.
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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.
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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.
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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.
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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.