Mortgage & Protection Guides

The Bank of England held the Bank Rate at 3.75% on Thursday 17 September. That is the sixth hold of 2026, and the rate has now sat at 3.75% since December last year. At Drummonds Finance Group, we have spent this week fielding calls from clients whose fixed rates end over the winter, and the question is always the same one: do I move now or wait and see? This is what the decision actually changes, and what it does not. The headline is dull. What sits underneath it is not. The

Hundreds of thousands of interest-only mortgages taken out in the late 1990s and 2000s are now reaching the end of their terms, and a lot of the people holding them are discovering that the repayment plan they had in mind, an endowment, an investment, a future property sale, has not quite delivered what was expected. If you have had a letter from your lender reminding you that your term is ending and the balance is due, this guide explains what actually happens next and what

If your mortgage deal is coming to an end, you are in good company. Thousands of homeowners across Oxford, Bicester and the wider UK are facing the same decision right now: do you fix again, jump on a tracker, or sit tight and see what happens? It is one of the most common questions we get at Drummonds Finance Group, and the honest answer is that it depends on your circumstances. But there is a lot we can explain about the current market and what each option actually means fo

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

If your mortgage fixed rate is ending in the next few months, you could not have picked a more eventful time to be making this decision. Rates that looked like they were heading down at the start of 2026 have moved sharply upward following the Iran conflict in February, and the Bank of England rate cuts that borrowers were counting on have been put on hold. This guide explains what remortgaging means, when it makes sense, how it compares to a product transfer and what to do r

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