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

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

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

A mortgage broker helps you find the best mortgage deal by comparing offers from multiple lenders and guiding you through the entire...