Mortgage Brokers Oxford
Independent Mortgage Broker Oxford. No Fees for mortgages arranged over £100,000. Impartial Mortgage & Protection Ltd. Fully professional service.
We offer an excellent service. For most of the mortgages that we arrange in Oxford we do not charge fees. Mortgage lenders pay us a small percentage of the mortgage arranged when it completes. We only charge you a fee in addition to this if the mortgage arranged is less than £100,000. For mortgages of under £100,000 there may be a fee for mortgage advice, the specific amount will depend upon your circumstances but our typical fee is £200.
We have access to exclusive mortgage deals available for clients in Oxford on a daily basis. These exclusive mortgage rates are not normally available to customers approaching the lender direct.
Impartial arrange residential mortgages in Oxford for home movers, first time buyers, remortgages and buy to let. We have thousands of clients all over the South of England. Many reviewing their mortgages every 2 or 3 years.
Impartial are not just Mortgage Brokers. We are also life insurance specialists, offer home insurance, income protection and home mover services, which is where clients can arrange solicitors quotes, removals and utilities quotes.
Please feel free to browse our mortgage best deal tables and mortgage calculator before contacting us. Like all other mortgage rates available on-line, we feel that these really should be used as a guide only as all lender have different acceptance criteria and fees that may not be obvious from mortgage rate tables.
Why struggle spending hours looking for the best mortgage rates in Oxford when we can do it for you.
Please refer to our Impartial Mortgages FAQ's for further information.
Remember that your home may be repossessed if you do not keep up repayments on your mortgage. Wills & trusts, conveyancing services, and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Remortgaging your property in Oxford
It is possible that you could save money by arranging a new mortgage deal. Whether this be a new rate with your current provider or by remortgaging to a lender with a better offer. If you are on your lender’s Standard Variable Rate (SVR) or only have up to six months left of a fixed, tracker or discounted rate, we would recommend you speak to Impartial about your mortgage options.
We are a whole of market Oxford Mortgage Broker. We research and arrange mortgages from across the whole market.
Oxford Buy to Let Mortgages
There is good demand for rental properties in and around Oxford.
If you are considering your first buy to let, we would recommend you seek independent mortgage advice.
You may already own a buy to let property or have a portfolio of properties and planning to purchase more? Impartial will talk you through your options and mortgages available before recommending the most suitable mortgage for you.
What happens when you contact us?
When you contact Impartial, we will initially discuss your needs, answer any questions and ask what we can do for you. A meeting can then me arranged, or we can email you a short mortgage questionnaire which you can complete and return in your own time. This helps us to understand your financial circumstances and needs so that we can recommend the most suitable mortgage for you.
How does the mortgage process work?
Most mortgages are arranged on-line by us. Once we know your personal information and financial circumstances we will recommend the best mortgage deal for you. We will then complete the agreement in principle (lender credit check) and then submit the application if accepted.
Proof of income and supporting documentation is then sent to the mortgage lender.
The lender arranges the valuation of the property and once this is returned, the case is normally reviewed and the mortgage offer issued.
Impartial will follow the progress of the mortgage from submission to the lender through to completion.
How long will it take?
Every mortgage is different. However, a general guide would be, remortgage 4-5 weeks and a purchase/home mover 6 weeks to 3 months dependent on number of buyers in the chain.
We can sometimes arrange a mortgage in Oxford within 24 hours if it is urgent. As we are local the process is made easier.
Remember that your home may be repossessed if you do not keep up repayments on your mortgage. Wills & trusts, conveyancing services, and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
