Mortgages

First-Time Buyers

Buying your first home is an incredibly exciting time. You’ve saved up and can’t wait to get on the property ladder, but there are lots of complicated processes that can suddenly make it all feel a bit daunting. Don’t worry, Oscar James Financial can help you take the first steps in your journey and guide you through the process using our years of industry experience.

Our experts will discuss all of your options with you, looking at the products on offer that are best suited to your circumstances and affordability. We’ll discuss your income and future outgoings and how much you can comfortably borrow and repay. The amount you can borrow is dependent on your credit history, income and current debts, so be assured that after speaking with one of our advisors you will be fully informed on your eligibility.

Home Movers

Moving home is one of the top five stressful things you will experience in your life, so why make it harder if you don’t have to? Oscar James Financial, along with Oscar James Estate Agents, have the perfect solution to make the home-moving process as smooth as possible.

Whether you’re relocating to a smaller property or upsizing, we are here to help with managing your existing mortgage or switching you to a better deal. You may now have a wider choice of lenders and rates available than you did as a first-time buyer thanks to factors such as better credit, or you may have a larger deposit or equity accrued in your home. Oscar James Financial can search the market for hundreds of options to get you the best deal possible for your circumstances and get you settled in your new home with ease.

Buy-To-Let

First-time landlord? Limited company? Portfolio landlord? Here at Oscar James Financial we know that everyone’s circumstances are different. The criteria around buy-to-let lending has changed substantially in recent years, so we are here to help guide and advise you through its complexities and ensure that you maximise the return on your investment.

As an independent service, Oscar James Financial has access to a range of lenders offering specialist products at the most competitive rates on the market. We have helped hundreds of landlords over the years and see ourselves as experts in this field. Whether you are looking to invest in your first buy-to-let property or are an existing landlord - be it a large or small property - then we’d love to help.

Remortgaging/Product Transfer

People will often stay with their current lenders for ease rather than shopping around, but this typically results in higher and unnecessary costs. After a short consultation, one of our expert advisors will assess your needs and advise you on the most cost-effective solution, whether it be to stay with your current bank or building society or to move to a new lender. We can also explore options for funding things like home improvements, new cars or holidays or even to release funds to assist a family member with getting on the property ladder.

Let our impartial advisors do the hard work, who will search the market to find what’s just right for you. If we find you a better deal then we can save you money and help you switch lenders smoothly with no hassle, so you can sit back and relax.

Commercial Mortgage

We are here to help with more than just residential and investment mortgages; are you looking for a commercial mortgage? A commercial mortgage is essentially a business loan, which is secured on a non-residential property for commercial or business use. As a more complex type of mortgage, Oscar James Financial has the level of expertise to help take you through the application for a commercial loan for a variety of properties and land types. We have access to a wide range of both mainstream and specialist lenders to navigate the market and maximise your investment. Contact us today for impartial advice on the most suitable commercial mortgage for you.

Equity Release

If you don’t want to sell or move home but are looking to release tax-free equity tied up in your property, then we can help. If you are over 55, equity release can see money released as a lump sum or in smaller payments from your property to give financial relief. You can either take out a lifetime mortgage or opt for a home reversion plan. While a lifetime mortgage is a property loan, a home reversion plan will see you sell your property in full or a share of it while you continue to live there at no cost.

Oscar James Financial suggests seeking professional advice if you are considering this and are ready to assess your personal circumstances to help get you the very best from your equity release; we can also advise on reserving a share of your property to be kept as inheritance for your family.



About Us

Oscar James Financial services are here to provide you with a comprehensive and independent financial experience.

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About Us

Mortgages

Oscar James Financial can help you take the first steps in your journey and guide you through the process using our years of industry experience.

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Mortgages

Insurance

Speak to one of our advisors for guidance on protecting your income and safeguarding yours and your loved one’s futures when the unexpected happens.

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Insurance

Mortgage Calculator

Your mortgage will probably be the biggest financial commitment you make in your lifetime.

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Mortgage Calculator

Stamp Duty

Our calculator will show how much Stamp Duty must be paid on your main residence.

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Stamp Duty

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A favourable credit score is a big factor when it comes to meeting a lender’s criteria.

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Check my Credit

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