OUR SERVICE
Mortgage & Insurance Advice in Witney, Oxfordshire
The Mortgage Company Oxfordshire is an independent mortgage and insurance broker based in Witney, Oxfordshire, helping clients across Oxfordshire and the wider UK secure mortgages and protection policies tailored to their individual circumstances.
Our experienced team of qualified mortgage advisers and administrators work closely together to provide a personal, hands-on service from initial enquiry through to mortgage completion and beyond. Whether you are a first-time buyer, home mover, self-employed applicant, landlord, foreign national client or looking to remortgage your property, we are committed to helping you navigate the mortgage process with clear, practical advice and ongoing support.
As a whole-of-market mortgage broker, we have access to a comprehensive range of mortgage lenders, including high street banks, building societies and specialist lenders. This allows us to search a wide range of products and identify the lenders most suited to your needs, circumstances and long-term goals. We are particularly experienced in helping clients with more complex mortgage requirements, including self-employed income, shared ownership, contractors, multiple income streams and adverse credit situations.
Alongside mortgage advice, we also provide tailored protection and insurance advice, helping clients arrange life insurance, critical illness cover and income protection to help protect their homes and families financially. We believe protection advice is an important part of the mortgage process and take time to explain the available options clearly and honestly.
Based locally in Witney, our office is open Monday to Friday from 8:30am to 5:30pm and clients are welcome to contact us by phone, email or in person to discuss their mortgage and insurance needs. Many of our clients choose us because they value having direct access to experienced advisers and a dedicated support team rather than dealing with large call centres or national comparison websites.
Why Clients Choose The Mortgage Company Oxfordshire
Clients across Witney, Oxfordshire and the wider UK regularly choose The Mortgage Company because of our personal, hands-on approach and commitment to supporting clients throughout the entire mortgage and insurance process.
Our clients value:
- Direct access to experienced mortgage and protection advisers
- Specialist support for self-employed clients, company directors and complex income cases
- First-time buyer mentoring and step-by-step guidance throughout the home buying process
- Shared ownership and foreign national mortgage expertise
- Regular updates and proactive communication throughout the application process
- A dedicated administration team who liaise with lenders, solicitors and estate agents on your behalf
- Strong knowledge of lender criteria and underwriting policies across a wide range of mortgage providers
- Ongoing mortgage reviews and reminders when existing mortgage deals are due to expire
- Mortgage rate watching to help clients benefit from potential lender rate reductions before completion
- Hundreds of five-star Google reviews from clients who value our communication, responsiveness and personal service
- A local Witney office with a friendly, approachable team and direct adviser access throughout the process
Our Service
Our service explained
- Initial mortgage meeting to discuss your requirements.
- Mortgage advice: comprehensive range of mortgage products from across the market. We can’t always offer advice on deals you can only obtain by going direct to a lender. We offer advice on both first and second charge mortgages for your needs, circumstances and preferences.
- Agreement in principle processed on your behalf.
- Simplified processes as we will complete the paperwork for you.
- Contact with your adviser throughout.
- Mortgage chasing as we contact your lender daily to ensure the mortgage is progressing well
- Regular mortgage updates our administrators will keep you updated on your application ensuring you know what is happening with your application.
- Full protection review to ensure you and our family are protected with specific advice on life cover, critical illness and income protection.
- Reminders of when your initial deal is coming to an end and advice on re-mortgaging in the future.
- Rate watching Our mortgage rate watching service helps provide additional peace of mind during the mortgage process. Once your application has been submitted, we continue monitoring your lender’s mortgage rates right up until completion. If your lender reduces their rates and you qualify for the lower product, we will look to switch you onto the improved deal where possible. This allows clients to secure a mortgage early for reassurance whilst still benefiting from potential rate reductions before completion.
If you are looking for advice on your mortgage options, give us a call or pop-in to arrange a time to tells us about your mortgage needs.
WHAT DOES OUR SERVICE COST?
If you’re borrowing over 200k and using our normal service, there is generally no fee. As with all mortgage brokers, we will receive a commission from the lender, and if you borrow over 200k, we may not charge any additional broker or processing fees.
If you’re a new client looking to remortgage we charge a £55 fee – this is refundable when you complete on the mortgage
If you are borrowing under 200k, our typical fee is £250 and would be a maximum of £800.
If you have adverse credit, we charge a non-refundable fee dependent on your circumstances.
If you are looking to borrow over 500k Our Premium Service is available to you.
OUR LENDERS
A sample of the providers we use:
