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Mortgage & Protection Guides
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Guide for mortgages
Looking for clear, jargon-free mortgage advice? You’re in the right place.
Our Mortgage Guides section is packed with easy-to-understand resources to help you navigate the mortgage process — whether you’re buying your first home, moving, investing, or remortgaging.


My Mortgage Rate Is Ending Soon – Should I Fix, Go Tracker or Wait?
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
Liam Drummond
3 days ago3 min read


Renting vs Buying in Oxford: What’s the Best Option in 2025?
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
Liam Drummond
Oct 163 min read


Key Things to Consider When Buying a Property in the UK
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...
Liam Drummond
Sep 93 min read


What is the difference between a mortgage in principle and a full mortgage offer?
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...
Liam Drummond
Aug 273 min read


What Counts as Income on a Mortgage Application
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...
Liam Drummond
Jun 134 min read


Is It Ever Too Late to Get a Mortgage?
Many people assume that once you hit your 60s, your chances of getting a mortgage drop dramatically. In reality, age isn’t the barrier...
Liam Drummond
Jun 44 min read


Limited Company vs Personal Name Buy-to-Let Mortgages: Pros and Cons Explained
If you’re planning to invest in a buy-to-let property in Oxford or anywhere in the UK, one of the first decisions you'll need to make is...
Liam Drummond
May 313 min read


Student Let Mortgages in Oxford: A Complete 2025 Guide for Landlords and Investors
Drummonds Finance Group – Your Oxford Mortgage Specialists Oxford remains one of the UK’s most sought-after cities for landlords...
Liam Drummond
May 292 min read


Remortgaging or Switching Your Mortgage in 2025. Expert Advice for Homeowners
From Drummonds Finance Group | Trusted Mortgage Broker in Oxfordshire If your current mortgage deal is coming to an end or you’re paying...
Liam Drummond
May 274 min read


Oxford Mortgages for the Self-Employed | Get Expert Help
Mortgage Advice for the Self-Employed in Oxford If you’re self-employed and looking to buy, remortgage, or invest in property in Oxford...
Liam Drummond
May 143 min read


NHS Mortgages UK | Specialist Mortgage Advice for NHS Staff
Helping NHS Workers Secure the Right Mortgage Nationwide Are you an NHS professional looking to buy your first home, move house, or...
Liam Drummond
Apr 284 min read


Lenders Who Accept Universal Credit: What You Need to Know in 2025
Finding a mortgage can be challenging, especially if part or all of your income includes Universal Credit . But the good news is that...
Liam Drummond
Apr 243 min read


Mortgage Broker Bicester | Expert Local Mortgage Advice
Looking for a reliable mortgage broker in Bicester ? Whether you're buying your first home, moving house, switching mortgage products,...
Liam Drummond
Apr 223 min read


Stamp Duty Explained: What You Need to Know in 2025
💡 What is Stamp Duty? Stamp Duty Land Tax (SDLT) is a tax you pay when you buy property or land in England. The amount depends on the...
Liam Drummond
Apr 182 min read


Oxfordshire's Biggest Developments in 2025
Drummonds Finance Group is a Mortgage Broker Firm based in Oxford and Bicester. We want to provide you with some developments happening...
Liam Drummond
Apr 164 min read


Your Complete Guide to Mortgages in Banbury (2025)
Banbury, nestled in the heart of Oxfordshire, has become an increasingly attractive location for homeowners and investors alike. With its...
Liam Drummond
Apr 132 min read


What Documents Do I Need to Apply for a Mortgage?
Applying for a mortgage can feel overwhelming, but being well-prepared with the right paperwork puts you in a strong position and helps...
Liam Drummond
Apr 114 min read


Should You Buy or Rent a Home in 2025?
If you’re unsure whether to buy or rent a home in 2025 , you're not alone. With fluctuating interest rates, a shifting property market,...
Liam Drummond
Apr 22 min read


How Much Can I Borrow for a Mortgage in 2025?
Whether you're a first-time buyer, moving home, or remortgaging, one of the first questions you're likely to ask is: "How much can I...
Liam Drummond
Mar 313 min read


Oxfordshire Mortgage Broker: Drummonds Finance Group
Oxford When it comes to buying a home, remortgaging, or investing in property, working with the right mortgage broker can make all the...
Liam Drummond
Mar 283 min read
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