Mortgage & Protection Guides

Buying a home, remortgaging, or investing in property can feel overwhelming, especially with the amount of information online. At Drummonds Finance Group, we work with clients across Oxford, Bicester and the UK, and we hear the same core questions again and again. This guide answers the twenty-five most asked mortgage questions in clear English. Each section is short enough to read quickly and detailed enough to help you make informed decisions. If you want personalised advic

Summary: Finding the right mortgage broker can be daunting. With the right steps, it becomes easier. You also know how they work and the benefits you can get before making your final decision. ------------------------------------- Buying a new property or expanding your investment portfolio requires significant investment. Thinking about pouring all your savings? This will be a huge mistake for sure. Then what to do? Finding a reliable lender who can give you the money you ne

If you have ever considered buying a flat in a block with cladding, you already know how confusing the EWS1 situation can be. Some people say you need it. Some say you do not. Some say it is impossible to get. Others say their mortgage sailed through without anyone mentioning it. So, what is actually true in 2025, and can you still get a mortgage without this form? Let’s clear it all up in simple, friendly language. So What Is the EWS1 Form and Why Does Everyone Mention It An

Making home ownership possible without co-owning the property Getting onto the property ladder has never been easy, and for many young buyers in today’s market, a bit of help from family makes all the difference. But what if you want to help your child buy a home without owning part of it yourself? That is where a  Joint Borrower Sole Proprietor mortgage   (JBSP) can be an innovative solution. Let’s look at how it works, why it is different from gifting money, and how it mig

Many people across the UK have mortgages with Birmingham Midshires (BM Solutions) , especially landlords and buy-to-let investors. But what many do not realise is that when your current deal ends, you cannot contact BMS directly to switch your mortgage . Instead, you must use an intermediary or mortgage broker. At Drummonds Finance Group, we specialise in helping Birmingham Midshires clients switch to a better rate quickly and easily . In this blog, we answer the most common

As the leaves begin to fall and the property market settles into the final quarter of the year, many buyers, sellers and homeowners in Oxford are asking the same questions. What is happening in the mortgage market? Are interest rates coming down? Is now a good time to buy, sell or remortgage? In this Autumn 2025 update, we take a local and national look at what is driving mortgage decisions across Oxford and Oxfordshire, and what it could mean for you. Where Are Mortgage Rate

If your current mortgage deal is ending soon, you're not alone. Thousands of homeowners across Oxfordshire and the UK are coming to the end of their fixed rate and wondering what to do next. The big questions we hear every day include: Should I fix again or go on a tracker? Can I switch early without paying penalties? Are interest rates likely to drop later this year? In this guide, we’ll break down the pros and cons of each option, explain what’s happening in the mortgage ma

Contact Us now If you're searching for a mortgage in principle  (also called an Agreement in Principle  or AIP), you're likely about to start viewing properties, or you’ve just found one you want to offer on. In today’s fast-moving market, having your mortgage in principle ready is more important than ever. In this post, we’ll explain exactly what a mortgage in principle is, why it matters, how it helps your offer stand out, and how we at Drummonds Finance Group can help you

The decision between renting and buying a home is one of the biggest financial choices people face, especially in a high-demand area like Oxford. With property prices still above the national average and the rental market remaining competitive, many people in and around Oxfordshire are wondering whether it makes more sense to buy a home or keep renting in 2025. As mortgage brokers based in Oxford, we speak to first-time buyers, renters, and investors every week who are trying

Buying your first home is exciting, but it can also feel like stepping into a world full of terms, criteria and decisions you have never dealt with before. This is where professional mortgage advice can make a huge difference. A skilled adviser helps you understand the process and guides you through every stage so you can move forward with confidence. In this blog, we explore why first-time buyers benefit so much from expert guidance and how the right advice can save money, t

While conventional mortgages often fall short, high-net-worth mortgages support high-profile individuals. This mortgage offers some...

Buying a home is one of the most significant financial decisions you'll ever make. Whether it's your first step on the ladder or you're...

House viewings are exciting, especially if it’s your first time buying or investing. But it’s easy to get caught up in the moment and...

Buying a home is exciting, but it can also feel confusing with all the jargon you come across. Two phrases that often cause a bit of head...

Hey! Are you planning to buy a new home? That’s great. Purchasing a house is one of the biggest financial decisions you make. It is...

Owning property has long been regarded as one of the most secure ways to accumulate wealth. But with soaring property prices in many...

It’s Not Just About Salary Let’s be honest, applying for a mortgage can be a confusing process. One of the first things a lender will ask...