Your mortgage
in the right hands
Oxfordshire · Buckinghamshire · Northamptonshire · Cotswolds
We are an award-winning property agency, offering independent, whole-of-market advice from experienced, FCA-regulated advisers.
How can we help you today?
Whether you are self-employed, navigating a more complex financial picture, buying for the first time or planning your next step later in life, we know how different every situation can be.
We keep a close eye on the market, what lenders are doing, and what’s coming through, so we can match you with a mortgage that is right for you, with clear advice at every stage.
Being independent matters. Our team searches across the whole market, so you get advice based on what fits your circumstances, not what fits a particular lender.
From your first conversation to your offer being agreed, we’ll answer every question, keep things moving and make sure you always know where you stand.
The right mortgage, from the right adviser
Most mortgage needs fall into one of a handful of categories – with the main ones below. If your situation is different, just call us and we'll work out the right route quickly.
Book a telephone appointment
We are looking forward to discussing your mortgage options. To make the most of our appointment, please have the following information to hand:
- Your income details
- Any outstanding debts (including monthly payments and outstanding balances)
This initial mortgage consultation is free of charge, and allows us to gather the information we need about your circumstances and mortgage requirements.
Once we have reviewed your details and supporting documentation, we will arrange the next stage of the process with one of our mortgage advisers, who will research the market and provide personalised mortgage recommendations. Should you decide to proceed with an application, our broker fees are typically:
- £699 – First Time Buyers, Home Movers and Remortgages
- £995 – Buy-to-Let, Semi-Commercial and Commercial Mortgages
We will call you at your scheduled appointment time from the following number:
0208 0044 274
People before property
See for yourself by checking out our reviews on Google and Trustpilot.
“Very helpful, supportive and efficient team – our experience with them has been great so far, highly recommend!”
“Very simple process to renew a mortgage – Michell did identify some new providers; however, in the end, staying with the current provider proved most appropriate and even updated arrangement with cheaper interest rates in the immediate days preceding the expiry date – all very simple and straightforward – would recommend”
“My partner and I were first time buyers and the thorough and timely support of Michelle and her team made the process of securing our mortgage quick and stress-free.”
“Really good communication and speed of response. This was our first time buying so Michelle really helped us through the process.”
“Very professional and efficient team. Handled and kept us informed I’m real time with no delays and a lot of guidance throughout the process – huge thanks to Beth and Michelle.”
Our Lenders
The IMS Property Group is an official authorised member of the National Association of Commercial Finance Brokers (NACFB), a trade body for over 1600 commercial finance brokers and lenders across the UK.
As an NACFB member, we are required to have Consumer Credit Permission, Professional Indemnity Insurance, a Data Protection Licence, and a strong track record with nationally recognised lenders.
We take complaints very seriously and will always do our utmost to resolve any issue quickly and fairly. If we haven’t been able to, the Financial Ombudsman Service is there to help.
Credit Checker
Knowing where you stand financially before you start your property search makes the whole process simpler. Our free credit checker gives you an instant picture of your credit score and history, so there are no surprises when it comes to your mortgage application. It takes minutes, will not affect your credit rating, and it puts you in a stronger position before we speak to lenders on your behalf.
Get your free credit score
When applying for a mortgage, it’s important to know your credit score. Once you’ve obtained this, you have a much higher chance of being approved for credit.
- Try it FREE for 7 days, then £14.99 a month – cancel online anytime
We have put together some frequently asked questions
A whole-of-market mortgage broker is an adviser who can access products from across the entire mortgage market – rather than being tied to a single lender or panel. This means they compare thousands of deals from over 90 lenders to find the most suitable mortgage for your individual circumstances.
IMS Property Group is a whole-of-market, FCA-regulated mortgage broker based in Bicester, serving buyers and remortgagers across Oxfordshire, Buckinghamshire, Northamptonshire and the Cotswolds.
Yes, there are a few lenders that will lend while you are still in your probationary period.
Yes. We work closely with a number of highly recommended solicitors that we can put you in touch with.
During your first appointment we will discuss your situation and if we feel that the mortgage will pass a lender’s credit score then a DIP is not necessary. The most competitive lender can change on a daily basis, so we feel the DIP would be a waste of a credit check.
Yes, you will require a deposit to get a mortgage and the minimum requirement for most lenders is a 5% deposit.
With a larger deposit your loan-to-value will be lower, which means you are less of a risk to a lender. Lenders are more likely to offer you a better mortgage rate, which will mean lower mortgage repayments.
We are fee charging mortgage brokers, please speak to your advisor in your appointment who will confirm the broker fee that will be charged, our fees typically range from £299 to £995 depending on the amount you are borrowing and the complexity of the case.
Printing your Tax Calculation (SA302)
- Log in to your online account.
- Follow the link ‘tax return options’.
- Choose the year from the drop down menu and click the ‘Go’ button.
- Select the ‘view return’ button.
- Follow the link ‘view calculation’ from the left hand navigation menu.
- Follow the link ‘view and print your calculation’ at the bottom of the page.
- Follow the link ‘print your full calculation’.
- Printing your Tax Year Overview
Log in to your online account.
- Follow the link ‘view account’.
- Follow the link ‘tax years’ from the left hand navigation menu.
- Choose the year from the drop down menu and click the ‘Go’ button.
- Follow the link ‘print your Tax Year Overview’.
From the date the mortgage application is submitted, we aim for you to receive your mortgage offer within three weeks. However, it is often sooner than this.
We offer FREE telephone consultations for 30 minutes, please book in here.
We do not recommend more than four credit checks in a six month period and that includes all types of credit. This is why we resist doing the DIP until you are absolutely ready to proceed.
No, private sales are acceptable
If the mortgage is affordable and fits with the lenders criteria then you can do a transfer of equity, which will transfer the property into sole names or into the name of another person.
We would always recommend that you come and talk to us about what is involved before you put your property on the market.
This includes going through all of the fees that are associated with a sale, such as estate agent fees, solicitor fees and Stamp Duty, as well as making sure that your new mortgage will remain affordable. IMS are estate agents too so we can help market your property for sale.
There are some lenders who will accept adverse credit applicants.
We would always advise you to obtain your credit report from www.checkmyfile.com and bring this to your first appointment so that we can discuss this in more detail.
We will review your existing mortgage deal and if we are able to save you money, we can switch your mortgage for you.
It is not compulsory, however it is important to protect yourself and your family should the worst happen. We can advise you on the insurances that would adequately cover you.
You will incur the early redemption penalties if you want to switch your deal, but this may work out more cost effective in the long term. If you are moving home and have redemption penalties, then we will always look to port (move) your mortgage first to see if we can save these charges.
Mortgage payment protection insurance will cover you usually for a period of 12 months and can cover you for accident, sickness and unemployment or a combination of these. It is recommended, but not compulsory.
Mortgage payment protection insurance has to be taken out within 30 days of taking out a new mortgage, remortgaging or taking a further advance.
If you are employed, we will require your latest three months’ pay slips and latest P60. If you are self-employed, we will require the last two years of accounts. Other documents needed:
- Latest three month’s bank statements showing salary credits
- Passport or driving licence
- Council tax or utility bill dated within the last three months
- Credit file from Experian (if you have had any adverse credit history in the past)
- Latest mortgage statement
- HMRC confirmation letter for income derived from tax credits or child benefit
- Latest pension statement.
When your remortgage or purchase completes, you will need to cancel the direct debit you have set up with your current lender.
- Employed and self-employed income
- Maintenance payments
- Child Benefit
- Child and working tax credits
- Pension income
- Rental income that is declared on a tax return.
The assumed date stated on your mortgage offer is not a definite date, this may change dependent on how long it takes to reach an exchange/completion date. The mortgage lender will write to you after completion and confirm when your first payment will be expected and how much it will be.
The lender will write to you, usually within 14 days of completion to let you know when the first payment will come out and how much it will be. Please note your first monthly payment is usually higher.
Yourselves, us as the mortgage broker and your appointed solicitor.
As independent whole of market mortgage brokers, we use the majority of high street banks and building societies.
Some will offer better deals if you go direct rather than through a broker and some the other way around. We are more than happy to compare deals that you find direct through a bank or building society.
If it is a standard valuation, no, there is no report issued, it is for the lenders purposes only.
If you have opted for a homebuyer’s survey, you will receive a copy of this a few weeks after completion of the valuation. We do not receive a copy of this and neither does the lender.
Yes we update you every week with an update until your mortgage offer issued, we email you with the update.
No, our appointments are free of charge.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage. IMS Property Group is authorised and regulated by the Financial Conduct Authority.