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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Oxford


Oxford is a city chiefly known as the location of Oxford University, the oldest in the English-speaking world and internationally renowned. It is also an important industrial and commercial centre and is surrounded by beautiful spaces such as Port Meadow. Its architecture is highly varied (some colleges were originally built many hundreds of years ago, chiefly University College) and it is a hotbed of culture and entertainment.

Among many attractions are the Pitt Rivers Museum of archaeology and anthropology in South Parks Road; the Creation Theatre Company in Becket Street - it does Shakespeare but with its own fantastic take on things - and the Bridge of Sighs in New College Lane is always lovely to see.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Keep in mind your APRs at all times

You should always be aware of how much your borrowing is costing you and look to pay off high interest debts and rather run debt up on items with lower APRs.

A lower APR means lower interest payments which means less cash to shell out.
Top Mortgage Lenders 

Joint Mortgage

Joint mortgages are mortgages which two (or more) people take out to buy a property typically when they live together. The mortgage sum granted is calculated according to 2 (or more) incomes and so is a way of getting a larger mortgage than if one person alone was applying for one.

The other side of a joint mortgage is that all of the borrowers are equally joint and severally liable . This means that if, for example, one person defaults on the required repayments, then the lender can pursue all parties on the mortgage to recover the money owed and ultimately it can repossess your home even if you yourself, out of all the signatories on the mortgage, have been making the correct, timely repayments.
OX2 6AD

Property Price Stats for Oxford


Average property price in Oxford £473,854
% Change compared to last year 7%
Population of Oxford 150,200


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Oxford

  • 1B Blackthorn Close, Oxford, OX3 9JF
  • Watergate, Haseley Road, Little Milton, Oxford, Oxfordshire OX44 7QE
  • Bretia Bank, Thame Road, Great Milton, Oxfordshire, OX44 7NY
  • 35a Bagley Wood Road, Kennington, Oxfordshire, OX1 5LY
  • 15 Badgers Walk, Oxford, Oxfordshire, OX4 2GW

Local High Street Banks in Oxford

Find a mortgage lender near you:
Some branches may have closed down - Call 01865 922 089 for a Mortgage Broker covering Oxford

  • Barclays Bank Plc - 54 Cornmarket St, Oxford OX1 3HB
  • Lloyds Bank Plc - 1-5 High St, Carfax, Oxford OX1 4AA
  • HSBC Bank Plc - Banbury Road, 267 Prama House, Oxford, Summertown OX2 7HY

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Mortgage Broker Tips for the Conveyancing Process

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Oxford until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels