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Our Mortgage Broker Guide to getting a mortgage in Banbury

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Banbury Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay for insurance upfront rather than via monthly instalments if possible

If you opt to pay off insurance premiums using monthly instalments then a hard search is carried out which negatively affects your credit score.

So if you can, pay off your insurance in one payment; it won't affect your credit score negatively and will work out cheaper in the longer term.

Discounted Variable Rate Mortgage

A type of variable rate mortgage, these are based on a fixed percentage discount from a lender's standard variable rate (SVR), which is normally itself linked to the Bank of England's prevailing lending rate.

These are often subject to a fixed term, perhaps 1 or 2 years and if the term is fixed, you can only leave if you pay a – normally expensive – repayment charge. Like other variable rate mortgages, you cannot guarantee that your monthly repayment figure won't change – and this can be for the worse – meaning that you should always have enough finance in reserve for the eventuality.


Banbury is a scenic market town on the River Cherwell in Oxfordshire County, 64 miles northwest of London. Landmarks and attractions include Banbury Cross, Banbury Museum and Tooley's Boatyard. It is also home to the People's Park open space.

OX16 9HW

Property Price Stats for Banbury


Average property price in Banbury £213,743
% Change compared to last year 8%
Population of Banbury 46,853 (2011)


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

Mortgage Broker Banbury - Recently Completed

  • Horton View, Banbury OX16 9HW
  • 95 Chatsworth Drive, Banbury OX16 9YJ
  • 12 Middleton Rd, Banbury OX16 3QH
  • 11 Ruscote Ave, Banbury OX16 1PH
  • 31 Bulls Ln, King's Sutton, Banbury OX17 3RA

Local High Street Banks in Banbury

Mortgage Broker in and around Banbury

Our Banbury mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Adderbury, Shennington, Chipping Norton, Brackley, Cropredy, Coombe Bisset and Bloxham.

Which banks are local to you?


  • Yorkshire Bank - 66 High St, Banbury OX16 5JJ
  • Barclays - 32 Bridge St, Banbury OX16 5PN
  • Lloyds - 12 High St, Banbury OX16 5EF

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Banbury

Mortgage Brokers Banbury offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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

Book a Free Mortgage Broker Consultation

Banbury Mortgage Broker Insider Tips

By getting your signed documents to your solicitor as soon as possible, you can speed up the conveyancing process in Banbury.

Exchange cannot happen until all of the relevant documentation has been received by the solicitor, including your signed contract, the transfer deed and mortgage deed. 

Sometimes only signed originals of documents can be accepted by your solicitor. Therefore make sure you stay on top of being organised and account for slow postal delivery.

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

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.