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

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

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

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

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...

Understanding mortgages doesn’t have to be confusing. At Drummonds Finance Group , we believe in mortgages made simple, transparent, and...

💡 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...

Drummonds Finance Group is a Mortgage Broker Firm based in Oxford and Bicester. We want to provide you with some developments happening...

Buying your first home is exciting, emotional and slightly overwhelming all at once. If you are feeling unsure or wondering where even to begin, you are not alone. Every first-time buyer goes through the same mix of excitement and confusion. The good news is that with the proper guidance, the process becomes transparent and manageable. At Drummonds Finance Group, we help first-time buyers across Oxford, Bicester and nationwide understand the process step by step. This guide g

Applying for a mortgage can feel overwhelming, but being well-prepared with the right paperwork puts you in a strong position and helps...

💬 Quick Answer: As of 2025, over 80% of UK homebuyers now use a mortgage broker to help secure their mortgage — a sharp increase from...

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,...

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...

Buying a home is one of the biggest financial commitments you'll ever make, and understanding the UK mortgage market is crucial. Whether...