Bicester Mortgage & Insurances

Your Trusted Local Mortgage & Insurance Broker in Bicester, Oxfordshire

At Bicester Mortgage & Insurances, our clients are at the heart of everything we do. We understand that navigating the world of mortgages and insurance can feel overwhelming. That’s why our priority is to make the process simple, stress-free, and transparent, offering clear, honest, and expert mortgage advice tailored to your needs.

Mortgages

Whether you’re a first-time buyer, remortgaging, or looking to protect your home, income, and loved ones, we are here to guide you every step of the way. Our experienced mortgage advisors work with a wide range of leading lenders, ensuring that no matter how complex your situation, we can find the best mortgage deal for you.

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Insurances

We also provide comprehensive insurance solutions, including life insurance, income protection, and home insurance, giving you peace of mind that your future is secure. Unlike large corporations, our personal approach means you’re never just another number—we take the time to understand your unique circumstances and find the right solution for you.

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What our customers say

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STAMP DUTY RATES ARE GOING BACK UP ON 1ST APRIL 👆🏠

Have first-time buyers left it too late to pay lower Stamp Duty? It would appear so.

At present, first-time buyers pay no Stamp Duty when buying a home worth £425,000. However, from 1 April, Stamp Duty thresholds will return to pre-2022 levels, meaning the tax-free threshold for first-time buyers drops from £425,000 to £300,000, resulting in sharply higher costs. From 1 April, buying a home worth £425,000 will now cost first-timers £6,250 in stamp duty.

The new thresholds being introduced include reducing ‘first-time buyers’ relief’ – which lets buyers pay Stamp Duty at a reduced rate – which will be revised from the current £625,000 level back to the pre-2022 level of £500,000. This means the Stamp Duty a first-time buyer can expect to pay on a £625,000 home will rise from £10,000 at present to £21,250, an increase of £11,250.

Is there still time to complete before the increase?

Any first-time buyers hoping to complete their house purchase before the rises are cutting it close. The average time it takes to complete a house purchase is between 12 and 16 weeks and often takes longer. First-time buyers currently in the process of completing a house purchase should therefore consider making plans to pay Stamp Duty at the higher amount if their completion date is later than 31 March.

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What’s on the horizon for UK mortgage rates? 🤔

UK mortgage rates in the spotlight as economic factors suggest rates could rise again.

Hopes that the Bank of England would significantly lower interest rates in 2025, leading to cheaper mortgages, now seem less likely, thanks to global bond market sell-offs and Labour’s Budget leading to a surge in borrowing costs. These factors have unsettled debt markets and contributed to higher interest rate expectations. As a result, borrowers face a more uncertain outlook.

As a reminder, the Bank of England opted to hold Bank Rate at 4.75% in December. However, since then, a sharp increase in UK government bond (gilt) yields has pressured rates. Market predictions suggest Bank Rate could fall to 4% by the end of 2025, with some analysts anticipating cuts to as low as 2.75%. However, the volatility in the bond market makes those predictions look optimistic.

What can borrowers do?
With bond market volatility set to continue, borrowers should seek professional financial advice before making any decisions. A financial adviser can help navigate the complexities of rate changes and determine whether to fix a mortgage deal or wait for lower rates in future.

❕Your home may be repossessed if you do not keep up repayments on your mortgage❕

🏡 A mortgage isn’t just about buying a house,

Your mortgage deal is ending… and the wrong move

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Book a free, no obligation consultation

Looking for expert mortgage advice in Bicester? Contact us today for a free, no-obligation consultation and let us help you find the perfect mortgage or insurance plan with ease and confidence.

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