The Mortgage

Business Details

Your Trusted Mortgage Brokers in Witney

Established in Witney, Oxfordshire, we have dedicated over 15 years to providing impartial mortgage advice tailored to individual client needs. Our independence from single lenders allows us to prioritise client interests while accessing over 70 mortgage providers, including specialist lenders. With a team of advisors boasting 15+ years' industry experience, we combine technical expertise with personalised service to navigate complex mortgage markets.

Our commitment to transparency is reflected in competitive fee structures, including no charges for loans exceeding 180,000. Through continuous client engagement and post-transaction support, we maintain long-term relationships that extend beyond initial mortgage placements.

Services

Mortgage Advice Remortgages First Time Buyer Buy To Let Life Cover Critical Illness Cover Income Protection Mortgage Capacity Reports

Highlights and features

We have access to over 70 lenders, including specialist lenders
Our team consists of certified experts with extensive experience
We offer a Bespoke Private Client Service for complex needs
Our fees are competitive, with no charge for loans over 180,000
We provide Mortgage Capacity Reports to assist with divorce proceedings

Associations and certifications

Financial Conduct Authority
PRIMIS Mortgage Network

What people say

Highly professional Excellent service Super helpful Smooth process First-rate service

Website

Update Listing

Services

Mortgage Advice

Our independent mortgage advisors provide comprehensive market analysis to identify optimal lending solutions. With access to over 70 lenders, including specialist providers, we evaluate your financial circumstances to recommend competitive rates. Our service includes agreement-in-principle processing, application administration, and ongoing lender communication to ensure smooth transactions.

Remortgages

We specialise in helping clients secure better mortgage terms through remortgaging opportunities. Our team analyses current market conditions against your existing arrangement to identify potential savings. The process includes affordability assessments, lender negotiations, and comprehensive documentation support to facilitate seamless transitions.

First Time Buyer

Tailored assistance for first-time property purchasers navigating the mortgage process. We explain available schemes, assess affordability, and provide step-by-step guidance through the application process. Our service includes deposit requirement analysis, lender selection, and ongoing support until completion.

Buy To Let

Specialist advice for property investors seeking buy-to-let financing solutions. We evaluate rental income potential against lender criteria, considering portfolio diversification and tax implications. Our service includes cashflow analysis, lender selection, and strategic advice for property investment growth.

Mortgage Capacity Reports

Detailed financial evaluations for divorce proceedings assessing mortgage affordability. Our reports analyse income, expenses, and future financial scenarios to determine lending capacity. Prepared by qualified advisors, these documents provide court-admissible assessments with multiple lending scenario comparisons.

People

Laura Lamb

Mortgage Adviser

With over 15 years' experience, Laura specialises in mortgage solutions and capacity reports. Her expertise includes complex lending structures and private bank relationships. Clients consistently praise her clear communication and efficient transaction management.

Julie French

Mortgage Adviser

Experienced mortgage advisor with specialist knowledge in first-time buyer schemes and complex cases. Julie provides detailed explanations of mortgage options while maintaining exceptional client communication throughout the process.

Questions

What mortgage services do you offer?

We provide comprehensive mortgage advice including first-time buyer assistance, remortgaging, buy-to-let financing, and specialist services for complex cases. Our offerings also include mortgage capacity reports for divorce proceedings.

Are your mortgage services free?

Our standard service is free for loans over £180,000. For smaller loans we charge a £150 fee. Specialist services like our Bespoke Private Client Service have specific charges starting at £595.

How do you select mortgage providers?

We access over 70 lenders including major banks and specialist providers. Our selection process focuses on finding the most suitable products based on your individual financial circumstances and requirements.

What areas do you cover?

While based in Witney, Oxfordshire, we provide mortgage services to clients throughout Oxfordshire and across the UK through our nationwide lender network and digital communication tools.

What makes you different from other brokers?

Our combination of local expertise with access to 70+ lenders, transparent fee structures, and dedicated client support throughout the mortgage process distinguishes our service offering.

Can you help with complex mortgage cases?

Yes, our team specialises in handling complex situations including adverse credit histories, self-employment income verification, and unique property types through our specialist lender relationships.

Reviews (5)

Write a Review

Nicola George

Jan 02, 2022 Report

Positive:Professionalism,Quality,Responsiveness
Julie helped us find the best mortgage. She was flexible, approachable and responsive in meeting our requirements . l wouldnt hesitate in recommending Julie to friends and would use her service again for any future needs.

Naomi Norrie

Dec 29, 2021 Report

I would happily recommend Julie French to friends and family. Julie is incredibly knowledgeable and efficient.

Dylan Patel

Dec 27, 2021 Report

Julie was a huge help to me in purchasing my first home, making the whole process very easy & smooth. Guiding me through the process to find the best mortgage and making sure I understood the whole process. Her local knowledge also proved very helpful when searching and placing an offer on my flat. I wouldn't hesitate to recommend Julie if you're considering the Mortgage Company.

Marcel Vellinga

Dec 05, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Julie has been great helping us! She is friendly, knowledgeable and fun too. We would highly recommend her to anyone.

Andrew Montague-Fuller

Nov 26, 2021 Report

A fantastic service from Laura and the team that led to our mortgage being arranged incredibly quickly and at a very good fixed rate. The understanding of our needs, selection of mortgage provider and completion of application forms were all undertaken extremely efficiently, resulting in the completion of our mortgage process in record time. Many thanks indeed!