Mortgage & Protection Guides

One of the most common questions we hear at Drummonds Finance Group is not simply “Can I get a mortgage?”  but “How long do I need to wait after bad credit before I can realistically buy my first home?” First-time buyers often worry that missed payments, defaults, or a CCJ have permanently closed the door on home ownership. In reality, lenders do not work to a single rule, and time is only one part of the decision. If you are looking for a full breakdown of lender criteria, o

Applying for a mortgage can feel overwhelming, especially when lenders start asking for documents. Knowing what is required in advance can make the process far smoother and reduce delays or stress. While exact requirements vary between lenders and individual circumstances, most mortgage applications in the UK follow a similar structure. Below is a clear guide to the documents you are likely to need and why lenders ask for them. Proof of income Proof of income is one of the mo

Getting a mortgage when you are self-employed often feels more complicated than it should be. Based on everything we are seeing in the market right now, 2026 is shaping up to be a far better year for self-employed applicants. Lenders have already begun modernising their criteria, and we expect this trend to continue as we move into the new year. One of the most significant shifts we predict for 2026 is how lenders assess income for limited company directors. Many lenders have

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

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

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

High-net-worth mortgages are designed for borrowers whose income, assets, or financial arrangements fall outside standard mortgage criteria. While many high-street lenders rely on automated affordability models, high-net-worth lending is usually assessed manually, allowing far greater flexibility when structured correctly. At Drummonds Finance Group, we arrange high-net-worth mortgages for business owners, professionals, investors, and individuals with complex income or subst

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...

Buying a home can feel overwhelming, especially if it’s your first time or your circumstances are a bit more complex. From choosing a lender to dealing with paperwork, it’s easy to feel unsure about what comes next. A mortgage adviser’s role is to make the process clearer, calmer, and far less stressful. Rather than figuring everything out on your own, you have someone guiding you through each step and helping you avoid common mistakes. Understanding Your Options From the Sta

Many people assume that once you hit your 60s, your chances of getting a mortgage drop dramatically. In reality, age isn’t the barrier...

Drummonds Finance Group – Your Oxford Mortgage Specialists Oxford remains one of the UK’s most sought-after cities for landlords...

From Drummonds Finance Group | Trusted Mortgage Broker in Oxfordshire If your current mortgage deal is coming to an end or you’re paying more than you need to, now is the time to review your options. Whether you're looking to remortgage  or simply switch your current mortgage deal , understanding your choices can help you save thousands and regain control of your finances. At Drummonds Finance Group , we help clients across Oxford, Bicester and Oxfordshire  remortgage with co

By Drummonds Finance Group – Local Mortgage Experts Buying your first home in Oxford can feel overwhelming, especially in 2025, with...

Mortgage Advice for the Self-Employed in Oxford If you’re self-employed and looking to buy, remortgage, or invest in property in Oxford...

Helping NHS Workers Secure the Right Mortgage Nationwide Are you an NHS professional looking to buy your first home, move house, or remortgage? At Drummonds Finance Group , we specialise in NHS mortgages  and understand how to make your unique income structure work in your favour. Whether you’re a nurse, doctor, paramedic, healthcare assistant, midwife or support staff—we’re here to help you secure the mortgage you deserve. With access to over 100 UK lenders , including many

Mortgages often feel complicated, not because they are impossible to understand, but because the information people find online is usually fragmented. You are given answers to individual questions, but rarely a clear picture of how everything fits together. Whether you are buying your first home, moving house, remortgaging, or investing in property, understanding how mortgages work will help you make better decisions and avoid costly mistakes. This guide is designed to be you

Looking for a reliable mortgage broker in Bicester ? Whether you're buying your first home, moving house, switching mortgage products, investing in a buy-to-let property, or financing a commercial space, Drummonds Finance Group  is here to guide you through every step of the mortgage journey. 🎁 Get Free Advice  – No obligation, expert mortgage consultations for everyone.➡️ Contact us today Why Choose a Local Mortgage Broker in Bicester? Working with a local Bicester mortgage

If you’re buying a home or remortgaging, one of the first questions people often ask is whether it’s better to use a mortgage broker or go straight to a bank. There’s no pressure either way, but for many buyers, using a broker can make the process simpler, clearer, and less stressful. Rather than trying to compare mortgage deals on your own, a broker helps you understand what’s available, what’s realistic, and which options actually suit your situation. What Does a Mortgage B

The short answer In many cases, yes. A mortgage broker can often find you a better deal than going straight to your bank . That might be a lower rate, lower fees, or simply a lender that suits your situation better. At Drummonds Finance Group , we spend our time comparing the market properly, not just showing you what one bank is willing to offer. Why brokers often find better mortgage deals We look at more than one lender Your bank can only offer its own mortgages. A whole o

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