Mortgage Broker Oxfordshire
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Oxfordshire
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Witney | £55,781 | £111,562 or £55,781 per salary with a joint purchase |
Henley-On-Thames | £120,389 | £240,779, or £120,389 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Oxfordshire
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
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.
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.
Book your mortgage valuation as soon as you've had your offer accepted
If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle, but then, once you've had an offer accepted, your mortgage lender has to value the property, and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.
You can, therefore, minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down.
Additionally, if there are any issues like your lender undervaluing your property or making you a conditional offer, there might be further delays.
Frequently Asked Questions: Mortgage Brokers Oxfordshire
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Oxfordshire mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker Oxfordshire - Recently Completed
- 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
Watch our video to find out how to organise your mortgage and funding for your purchase.
