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

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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 Oxfordshire


Oxfordshire is a county located in the south east of England and can be known by the abbreviated name of Oxon. It borders Warwickshire to the north/north-west, Northamptonshire to the north/north-east, Buckinghamshire to the east, Berkshire to the south, Wiltshire to the south-west and Gloucestershire to the west.

Oxfordshire is the most rural county in the South East. The UK's nationalised motor industry used to be based in Cowley, nowadays the county is a centre for bioscience, advanced motorsport, engineering and scientific research. Oxford hosts the world famous university of Oxford, with its fantastic architecture and academic excellence.

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 

Be wary of 'quick fix' credit improvement organisations

Some companies offer to fix your credit score in little or no time. You should be extremely suspicious of spending any money on these as the hard truth is that a credit score cannot normally be fixed quickly.

Anything that one of these companies claim to be able to do you can do yourself. If there's a mistake on your report, you yourself can work to fix it by communicating with the agency with appropriate evidence. You don't have to pay a company a fortune to do it for you. And if you've got credit problems, these can be fixed, by you, over time.
Top Mortgage Lenders 

Fixed Rate Mortgage

A fixed rate mortgage is one where the interest charged on your monthly repayments is fixed for a particular set period; 2, 3, 5 and 10 years are the most common. You benefit by knowing exactly how much money you'll have to have put aside each month without having to worry about what is happening in the capital markets and whether the Bank of England base rate will rise (thus making your repayments more expensive).

When the set period comes to an end, your mortgage then becomes subject to the bank's standard variable rate (SVR) which means that it then moves in line with an index, which is most commonly the Bank of England's interest rate, referred to above. You can then opt either to stay on the SVR or to take out a new fixed rate mortgage, either with the same provider or with a new one.

Interest rates charged on fixed rate mortgages are often initially higher than for those chargeable under the SVR, however the repayment sum cannot rise higher meaning there's more peace of mind. You should be wary, however, of leaving a fixed rate mortgage before the fixed period has finished, because you'll normally have to pay a hefty early repayment charge to do so.
OX1 5LY

Property Price Stats for Oxfordshire


Average property price in Oxfordshire £381,139
% Change compared to last year 8%
Population of Oxfordshire 654,800 (2014)


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 Oxfordshire

  • 35a Bagley Wood Road, Kennington, Oxfordshire OX1 5LY
  • 25 Chilton Fields, Chilton Field Way, Chilton, Didcot, Oxfordshire, OX11 0SQ
  • The Vineyard, Clifton Hampden, Oxfordshire, OX14 3EQ
  • 26 Chapel Close, Wantage, Oxfordshire OX12 7DY
  • 10 Vintner Road, Abingdon, Oxfordshire. OX14 3PF

Local High Street Banks in Oxfordshire

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

  • Virgin Money - 129 High St, Oxford OX1 4DF
  • TSB - 13 High St, Witney OX28 6PH
  • Lloyds - 8 Ock St, Abingdon OX14 5AP

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Mortgage Broker Tips for the Conveyancing Process

Buying a leasehold property? Request your vendor to get their management information pack when your offer is accepted.

Your solicitor needs to examine the leasehold management information very carefully as it deals with matters like service charges and how well the freehold has been run. 

Very frequently the freeholder or managing agent may take weeks to compile and return the material which may form the basis of enquiries from your solicitor which in turn need to be answered.

Click to find out more about the Management Information Pack

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