Mortgage & Protection Guides

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

If you have bad credit and you're wondering whether getting a mortgage is even worth attempting, the short answer is yes, and a broker is almost always the right starting point. Bad credit does not automatically close the door on homeownership or remortgaging. What it does is narrow the field of suitable lenders, and that is precisely where a specialist broker adds the most value. What Counts as Bad Credit? Bad credit is not a single thing. It covers a wide spectrum of credit

First-Time Buyer Mortgages in Oxford Thinking about buying your first home in Oxford? With house prices remaining competitive and...

Understanding How Mortgage Transfers Work in the UK A mortgage transfer, often called a transfer of equity, is the process of changing who owns a property and who is responsible for the mortgage. It is a standard solution during life changes and can be far more straightforward than selling or taking out a brand-new mortgage. Below is a clear, human-focused explanation of how the process works, why people do it, and what lenders look for. What Does a Mortgage Transfer Actually

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 borrow for a mortgage?" In 2026, with interest rates still fluctuating and lenders tightening affordability criteria, understanding how borrowing capacity is calculated is more critical than ever. In this blog, we explain what lenders look for, how much you could borrow, and how to maximise your mortgage options, with expert guidance from Drummo

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

Buying a home or reviewing your mortgage in Oxford, Oxfordshire, or Bicester can feel daunting. Property prices vary widely, competition can be intense, and lenders often apply strict criteria that are not always obvious at first glance. Whether you are a first-time buyer, moving home, remortgaging, or investing in property, the right mortgage advice can make the difference between a smooth experience and a stressful one. At Drummonds Finance Group , we provide clear, practic