How many mortgage brokers are in Oxford?

50 FCA-regulated firms are listed for Oxford. Common focus areas include Buy-to-Let, Commercial, Ltd Co, HMO, Development.

Why use a mortgage broker in Oxford instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Oxford often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.

What does mortgage advice typically cost in Oxford?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Oxford?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Oxford with adverse credit?

Often yes. Oxford has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Oxford, South East

Q: What do typical property prices look like in Oxford?

The average price in our data is £480,531 (up 0.9% year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

About Oxford

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Oxford
#	Broker	Verified	Rating
1	Succession Wealth - Oxford	Unverified	5.0 (1)
2	Carbon Funding Consultants (Oxford)	Unverified	5.0 (30)
3	Carbon FC (Oxford)	Unverified	5.0 (24)
4	The Official Mortgage Company	Unverified	5.0 (1)
5	FinancialMerrett	Unverified	5.0 (5)
6	Kingswood	Unverified	5.0 (1)
7	Lambridge Finance	Unverified	5.0 (4)
8	Craven Street Wealth	Unverified	5.0 (2)
9	Barker & Broad Mortgage Services	Unverified	5.0 (1)
10	NGI Franchise Funding	Unverified	5.0 (35)

Local snapshot

Oxford (South East) lists 50 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £480,531 — up 0.9% year-on-year.

The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

What local advisers focus on

Together they cover Buy-to-Let, Commercial, Ltd Co, HMO, Development, Expat — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Oxford?: 50 FCA-regulated firms are listed for Oxford. Common focus areas include Buy-to-Let, Commercial, Ltd Co, HMO, Development.
What do typical property prices look like in Oxford?: The average price in our data is £480,531 (up 0.9% year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.
Why use a mortgage broker in Oxford instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Oxford often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.
What does mortgage advice typically cost in Oxford?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Oxford?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Ltd Co), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £480,531.

Annual movement about 0.9% (rising).

Mix of home types (averages)

Detached: £971,640
Semi-detached: £591,338
Terraced: £470,254
Flats: £295,228
First-time buyer purchases: £411,693

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 50 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.8/5 across 46 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Commercial, Ltd Co, HMO. Buy-to-let and HMO work shows landlords are still active around Oxford.

Street-level detail

Averages near £480,531 push more cases into larger loans and non-standard security conversations — underwriting gets picky on valuers and lease terms.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Oxford is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Oxford

Directory snapshot — Oxford

Need help choosing a broker?

Top 10 mortgage brokers in Oxford

Succession Wealth - Oxford

Carbon Funding Consultants (Oxford)

Carbon FC (Oxford)

The Official Mortgage Company

FinancialMerrett

Kingswood

Lambridge Finance

Craven Street Wealth

Barker & Broad Mortgage Services

NGI Franchise Funding

More areas in South East

Explore Postcode Districts Near Oxford

Market data for Oxford

Market data panel