
Oxford Mortgage Company
Trusted Local Mortgage Advisors
Your Local Oxford Mortgage Company with Nationwide Reach
Looking for a reliable, experienced Oxford mortgage company to help you secure the right deal? At Drummonds Finance Group, we combine local expertise with access to over 100 UK lenders, making us the go-to choice for home buyers, home movers, landlords, and self-employed borrowers across Oxfordshire.
Whether you're a first-time buyer in Cowley, a landlord in Headington, or looking to remortgage your home near Summertown, our expert mortgage brokers in Oxford are here to help.
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Access to competitive rates, and some you can't get direct
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Specialist Mortgage Advisers
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You'll experience unrivalled customer service


Speak to a Mortgage Adviser
Find out what mortgage rate are available for you. It take less than 60 seconds.

Comprehensive Mortgage Advice.
Oxford Mortgage Company: Our Services

First-Time Buyers
We provide personalised guidance, ensuring you understand every aspect of the mortgage process and make informed decisions.

Moving Home Mortgage
Relocating can be complex, but with our comprehensive support, you can focus on finding your new home while we handle the financial details.

Remortgaging
looking to reduce your monthly payments, switch to a better interest rate, or release equity for other investments?

Buy To Let Mortgage
For landlords and property investors, navigating the buy-to-let mortgage market requires understanding ever-evolving regulations and financial products.
Client Testimonies
✅ Why Choose Drummonds Finance Group – Oxford Mortgage Company Specialists
There are many mortgage brokers in Oxford, but here’s why clients choose us:
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💼 Access to 100+ UK lenders including Barclays, Halifax, Santander, Virgin, and Nationwide
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🧠 Tailored mortgage advice based on your individual goals
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🚀 Fast decisions with same-day appointments available
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🏡 Specialists in Oxfordshire – we understand the local property market inside out
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💬 Transparent communication throughout the entire process
📍 Based locally. Serving nationally. Trusted by hundreds.


About Drummonds Oxford Mortgage Company
Drummonds Finance Group is an independent, client-focused mortgage brokerage committed to helping people across Oxfordshire and the UK find the right mortgage for their needs. With over 100 trusted lenders on our panel, we deliver solutions tailored to first-time buyers, home movers, buy-to-let landlords, self-employed professionals, and those with complex incomes or credit challenges.
We believe in building lasting relationships with our clients, offering clear communication, honest advice, and fast turnarounds. Whether you’re buying a home in Oxford or refinancing your portfolio nationwide, we’re here to make the process smooth and stress-free.
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Fully authorised and regulated by the
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Financial Conduct Authority (FCA)
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Personalised service from your own dedicated mortgage specialist
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Proudly supporting Oxford’s property community and beyond
🔄 Recent Changes to the Oxford Mortgage Market
The Oxford mortgage market has seen a number of shifts over the past year, driven by changes in interest rates, property prices, and lender criteria. Here’s what local buyers, homeowners, and investors need to know:
📉 Lower House Price Growth
After several years of rapid price increases, Oxford's property market has begun to stabilise. Average prices in 2025 are showing modest growth, with more negotiation power shifting to buyers. This is good news for first-time buyers and home movers alike.
📈 Rising Interest Rates – But More Choice
While mortgage rates increased in 2023–2024, they have now begun to plateau. Many lenders have reintroduced competitive fixed-rate and tracker products, and we’re seeing an uptick in 5-year fixed deals that offer long-term stability.

💡 Lenders Adjusting Criteria
Some lenders are becoming more flexible with income types—including self-employed earnings and Universal Credit—while others are tightening their affordability checks. It’s more important than ever to speak with a broker who understands each lender’s unique approach.
🏠 Greater Focus on Energy Efficiency
Oxford councils and some mortgage lenders are putting more emphasis on EPC ratings. Green mortgage products are now available for properties rated A or B, offering lower interest rates or cashback incentives.
📊 Oxford Buyer Trends in 2025
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Increase in 95% LTV mortgage applications.
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More buyersare opting for longer mortgage terms (35+ years)
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Steady growth in limited company buy-to-let purchases
Whether you're navigating these changes as a first-time buyer, landlord, or remortgager, Drummonds Finance Group is here to guide you through.
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Why choose a local mortgage broker in Oxford?As a local broker, we have in-depth knowledge of Oxford's property market, enabling us to provide personalized advice and access to exclusive deals not available through national lenders
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How quickly can I get a mortgage approval?We can typically secure an Agreement in Principle within 1–48 hours, depending on your circumstances.
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Can I get a mortgage with a low deposit?Yes, we work with lenders offering 5% deposit mortgages and can advise on schemes like Shared Ownership to help you get on the property ladder
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Do you offer services for self-employed individuals?Absolutely. We specialize in securing mortgages for self-employed clients, even with just 1–2 years of accounts.
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What documents are required to apply for a mortgage?Proof of ID (passport or driving license) Recent payslips (last 3 months) Bank statements Proof of deposit For self-employed: 2–3 years of tax overviews and SA302s
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What additional costs should I budget for?Legal fees Valuation/survey fees Mortgage arrangement fees Stamp Duty (if applicable) Moving costs Home setup expenses
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How long does it take to complete a mortgage in Oxford?On average, a mortgage can take 2 weeks to complete from application to offer, depending on the complexity of the case. At Drummonds Finance Group, we often secure a mortgage offers faster than 2 weeks for straightforward applications with all documents ready. Factors that can speed up the process include: Fast responses from the client Clear credit history Prompt valuations and solicitor work We work closely with lenders, valuers, and solicitors to keep things moving and minimise delays wherever possible.
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Is Oxford a good place to buy property?Yes, Oxford is widely regarded as one of the best places to invest in property in the UK. It boasts a strong local economy, world-class educational institutions, a vibrant cultural scene, and excellent transport links. The demand for housing in Oxford remains high due to its university population, medical and research centres, and proximity to London. Whether you're a first-time buyer, a home mover, or a buy-to-let investor, Oxford offers long-term value and strong rental potential.
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Will house prices go up in Oxford?While no one can predict the market with complete certainty, Oxford’s housing market has shown consistent long-term growth. Limited housing supply, a high volume of renters, and ongoing demand from students, professionals, and commuters support future price resilience. Economic forecasts and local development plans indicate that prices in Oxford are likely to continue rising over time, especially in well-connected and sought-after areas.
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What is the average house price in Oxford?As of 2025, the average house price in Oxford is approximately £525,000, though this varies widely depending on the area and property type. Flats typically range from £275,000 to £400,000 Terraced homes average around £500,000 Detached houses often exceed £800,000 Premium areas like Jericho, Summertown, and Headington command even higher prices.
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What should I look out for when buying a house in Oxford?Proximity to transport links – access to Oxford Parkway or mainline rail for London commuters can affect value. School catchment areas – top-rated schools like Cherwell School and Oxford High can increase demand. Leasehold vs. Freehold – many central Oxford flats are leasehold, so always check the remaining term and service charges. Flood zones – some areas near the River Thames or Cherwell may carry flood risks. Planning and development – check the Local Plan to see if any major changes or developments could affect the area.