Mortgage Brokers in Oxford

Total Result 36 - Page 1

Indigo Mortgage Brokers Ltd

Indigo Mortgage Brokers Ltd

Basque House, Eaton Hastings , Faringdon , Oxfordshire , SN7 8BL 01367 244388

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Nationwide Building Society

Nationwide Building Society

44 Queen St , Oxford , OX1 1ET 0800 554 0351

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

Halifax

Halifax

22 Queen St , Oxford , OX1 1EP 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

Coventry Building Society

Coventry Building Society

18 New Inn Hall St , Oxford , OX1 2DW 01865 242794

The Coventry Building Society offer a wide range of financial services including the administering of mortgages, saving accounts and financial advice. They also have ATM machines....

Yorkshire Building Society

Yorkshire Building Society

127 High St , Oxford , OX1 4DF 01865 723605

At the current time, we ask that you only visit our branches and agencies to carry out essential transactions. Visit our website to find out what essential transactions are, how you can manage your fi...

Virgin Money

Virgin Money

129-129a High St , Oxford , OX1 4DF 01865 263160

Virgin Money offers a wide range of financial products....

Santander

Santander

Santander House Carfax , Oxford , OX1 1HB 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

HSBC Bank plc

HSBC Bank plc

65 Cornmarket Street , Oxford , Oxfordshire , OX1 3HY 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Chelsea Building Society

Chelsea Building Society

25 George Street , Oxford , Oxfordshire , OX1 2AU 01865 723605

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The Co-operative Bank

The Co-operative Bank

13 New Rd , Oxford , OX1 1LG 01865 244010

The Co-operative Bank PLC provides a wide range of financial services. They also have ATM machines for cash withdrawal and statement services....

Royal Bank of Scotland

Royal Bank of Scotland

32 St. Giles , Oxford , OX1 3ND 0345 724 2424

The Royal Bank of Scotland PLC offers many services including loans, mortgages, financial advice and foreign exchange....

Crayon Financial Services Ltd

Crayon Financial Services Ltd

42 Leon Close , Oxford , OX4 1GS 07503 838682

About Us Right here at Crayon Financial Services, we concentrate on First-time buyer mortgages, Remortgages, purchase to let, and numerous different financial and insurance coverage merchandise. We...

Blueberry Mortgages Bicester

Blueberry Mortgages Bicester

1 & 3 Kings Meadow, Ferry Hinksey Rd , Oxford , OX2 0DP 01865 238154

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IMS Independent Mortgage & Lettings Solution

IMS Independent Mortgage & Lettings Solution

Prama House, 267, Banbury Rd , Oxford , OX2 7HT 01865 660023

We are experienced, independent and whole of market mortgage brokers, providing mortgage advice on every type of mortgage you could possibly think of! Independent Letting agent covering the whole of ...

Countrywide Management Consultancy

Countrywide Management Consultancy

74-77, Magdalen Rd , Oxford , Oxfordshire , OX4 1RE 01865 297830

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Finance Enterprise Ltd

Finance Enterprise Ltd

Interzone House, 74-77, Magdalen Rd , Oxford , Oxfordshire , OX4 1RE 01865 297804

...

Santander

Santander

(University Branch) - Clerici Build, Gipsy Lane , Oxford , OX3 0BP 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

The Money Consultancy

The Money Consultancy

255 Banbury Rd , Oxford , OX2 7HN 01865 553039

...

HSBC

HSBC

West Way, Jericho , OXFORD , OX2 0PH 0845 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...


If you are looking for mortgage brokers in Oxford, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Oxford.

All the mortgage brokers in Oxford available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Oxford solutions including mortgage in Oxford advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Oxford is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Oxford advisor when to seek advice, where to get free mortgage in Oxford advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Oxford?

Mortgage in Oxford advice: Yes or no?

Risks of not getting mortgage in Oxford advice.
Speak to your bank and people you know
When to approach a mortgage in Oxford adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Oxford

How to choose the right mortgage in Oxford?

The mortgage in Oxford market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Oxford advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Oxford and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Oxford advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Oxford to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Oxford repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Oxford credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Oxford for you.

When you choose your own mortgage in Oxford without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Oxford advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Oxford. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Oxford, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Oxford advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Oxford decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Oxford advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Oxford will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Oxford, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Oxford advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Oxford adviser?

A mortgage broker in Oxford or advisor is a specialist in mortgages in Oxford and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Oxford products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Oxford advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Oxford advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Oxford advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Oxford, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Oxford independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Oxford into account, beyond the interest rate.
They should only recommend a mortgage in Oxford that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Oxford proves unsuitable to you.
Finding a mortgage in Oxford advisor

Following are some of the top websites for finding details about mortgage in Oxford advisors in Oxford and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Oxford advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Oxford.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Oxford illustration document(s). This document outlines the terms and conditions of the mortgage in Oxford along with the details of the loan. As it contains all the key facts on the mortgage in Oxford, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Oxford. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Oxford:

What most people look for while going for a mortgage in Oxford is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Oxford fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Oxford will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Oxford before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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