Mortgage & Protection Guides

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

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

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 scratching are Mortgage in Principle  and Full Mortgage Offer . They sound similar, but they mean very different things, and it is worth understanding the difference so you know where you stand in the buying process. What is a Mortgage in Principle? A Mortgage in Principle, sometimes called an Agreement in Principle or Decision in Principle

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

Planning to invest in a House in Multiple Occupation in Oxford? Here’s what to expect and how to finance it properly. What will be...

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...

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

Many people ask, Can I get a mortgage with bad credit? If you’ve got a less-than-perfect credit score, applying for a mortgage might feel intimidating. But here’s the good news: yes, a mortgage broker can help you even if you have bad credit—and in many cases, they might be the key to getting you a deal you didn’t think was possible. Straight Answer: Yes, They Can Help Mortgage brokers are experts in navigating complex financial situations, including adverse credit. Whether y

Can You Still Get a Mortgage with Adverse Credit? In many cases, yes. Having adverse credit does not automatically stop you from getting a mortgage, but it does affect which lenders are suitable. Some high street lenders may say no straight away. Others, including specialist lenders, will look at the full picture. That includes how long ago the credit issue happened, whether it has been settled, and how your finances look today. This is where a whole of market broker makes a

Best Mortgage Broker Oxfordshire If you are looking for a trusted mortgage broker in Oxford or Bicester, getting the right advice from the start can make a huge difference. Whether you are buying your first home, moving house, remortgaging, or investing in property, expert guidance helps you secure the right mortgage for your circumstances. At Drummonds Finance Group, we provide clear, professional mortgage advice to clients across Oxford, Bicester, and the surrounding areas.

Buying a home is one of the biggest financial commitments you'll ever make, and understanding the UK mortgage market is crucial. Whether you're a first-time buyer, moving home, or remortgaging, this guide will help you navigate the process and make informed decisions. 1. What is a Mortgage? A mortgage is a loan secured against a property. You borrow money from a lender (such as a bank or building society) and repay it over time, typically 25-40 years, with interest. If you fa