Has your current mortgage deal come to an end or perhaps it’s about to end? If so, you really should talk to us.

Should I stay or should I go?

We can help you compare what your current Lender can offer you to what a new Lender could offer. Our aim is to help you make the right choice and ensure you have the most suitable mortgage.
You may have to pay an early repayment charge to your existing lender if you re-mortgage.

Staying put
Sometimes, the right advice may be not to change your mortgage at all. At Oak Tree Mortgages, we have the integrity to tell you this as we value our relationship with you over the longer term.

Could you be in for a nasty surprise?
Of course, you may think it’s too much hassle to spend 45 minutes talking to a Mortgage Broker and decide just to look online at what your current Lender can offer you. We can help you think ahead to avoid a nasty surprise further down the line. As an example, consider a customer prepared to accept a 5 year fixed rate from their current Lender. What about the potential early repayment charge that becomes payable if that mortgage is repaid during the fixed rate period? How would moving house three years down the line affect things? The mortgage might be ‘portable’, but what if your Lender couldn’t lend what you required to allow you to move? Arranging a mortgage online without receiving advice could lead to a very costly mistake.

Home improvements
You may be considering taking some money out of your property to carry out some home improvements. We can help with this.

Helping you with your Remortgage

We will provide you with advice about the different options available and will make a recommendation to you. If you decide to go ahead, we will deal with the mortgage application for you, liaising with the Mortgage Lender and helping you with any paperwork sent to you.

Our fees for arranging a Remortgage

If you are arranging a remortgage of a property in which you live, we make no charge as we are paid commission by the Mortgage Lender once you mortgage completes. If you are looking to remortgage a buy to let property, please refer to the buy to let section of our website.


Buy To Let

Whether you are looking to purchase your first buy to let property or you already own a couple of properties, Oak Tree Mortgages are here to help.

Making a mess of it
Navigating Mortgage Lender’s ‘criteria’ to work out whether you are eligible for a mortgage can be very difficult.  Applying to a Lender that is unlikely to lend to you can result in time wasted and possibly the loss of any upfront application fees paid to the Lender.
A failed mortgage application can also lead to the loss of the property you want to purchase as the seller may lose confidence in you.
Our knowledge and experience can be invaluable in helping clients avoid these pitfalls.

Get your skates on

We understand speed is often important when purchasing an investment property. You can count on our experience of the mortgage market to guide you towards lenders who are efficient in their processing of your application, helping to avoid the slow coach mortgage lenders.

The importance of a Mortgage Broker in the buy to let market

Some Lenders, such as Birmingham Midshires, no longer deal with the public directly. Their products can now only be accessed through a professional Mortgage Broker, ensuring the right borrowers are matched to a Lender that will lend to them.

Helping you with your Buy to Let Mortgage

Our Advisers will work with you to ascertain your needs and demands and will then recommend a mortgage to you. We make the application to the lender and deal with the lender on your behalf.
You will have a dedicated Mortgage Consultant at Oak Tree Mortgages who will help you through your application and who will be there for you in the future if you decide to add to your portfolio.
We also offer a re-mortgage service for buy to let mortgages allowing you to review your mortgage to ensure that you still have the most suitable mortgage.

Our fee for arranging a Buy to Let Mortgage

If you are arranging a Buy to Let mortgage, then we make a charge for this and this is covered by our tariff of charges set out below:

  • For a Buy to Let mortgage application to a mortgage lender for a purchase, remortgage or further advance, we charge a flat fee of £249 which will become payable at outset when we apply for the mortgage.  In addition, we will retain any commission paid by the lender.
  • For a Buy to Let application to an existing mortgage lender for a Product Transfer on an existing mortgage account, we charge a flat fee of £149 which will become payable when the product transfer is applied for.  In addition, we will retain any commission paid by the lender.
  • For a Buy to Let application to an existing lender for a Transfer of Equity (removing or adding a person to an existing mortgage), we charge a flat fee of £499 when we submit the application to the lender.  We will not receive any commission from the lender for transacting this business.

If we charge you a fee and your ’Buy to Let’ mortgage does not go ahead, you will receive no refund if we have made a full mortgage application and then you decide not to take out a ‘Buy to Let’ mortgage or if the lender declines the application after you passed an initial credit check.  No refund will be made for a Transfer of Equity application rejected by the mortgage lender.

The Financial Conduct Authority does not regulate some aspects of Buy to Let Mortgages.
Your property may be repossessed if you do not keep up repayments on your mortgage.


First Time Buyers

As a first time buyer, you are probably both excited and a little daunted at the prospect of buying your first home.

Our aim is to provide you with as much assistance as possible to help you achieve your dream.

So many questions

  • First Time Buyers often have a long list of questions they want to ask us:
  • How does the home buying process work?
  • How much can I afford to borrow?
  • What are the fees for buying a property?
  • How much deposit will I need?
  • How much will the Stamp Duty be?
  • How do I go about choosing a mortgage?
  • What’s the difference between a survey and valuation report?
  • What does the solicitor do and how should I choose one?
  • What happens if something goes wrong?
  • What happens and when?

These are just some of the questions we cover thoroughly during our first meeting. When it comes to buying your first home, there is no such thing as a stupid question.

Putting you in the best possible position
We can also help put you in the best possible position to buy a property by supplying you with a Mortgage Lender’s ‘Agreement in Principle’ sometimes known as a ‘Mortgage Certificate’ or an ‘AIP’.  This is often required by an Estate Agent before they will agree to sell a property to you. Our purpose is simple; to make the process of buying your first home as easy as possible.



Oak Tree Mortgages provides a range of services for customers looking for mortgage advice who reside within the United Kingdom.

Please take a look at the headings on the right and decide which category best suits what you are looking for help with.

Or call 0121 733 8833

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