Welcome to

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Refined Mortgage Advice, Crafted Around You.

At Cotswold Mortgage & Protection, we specialise in helping first-time buyers, home movers, and remortgagers across the Cotswolds and Oxfordshire find the right mortgage to fit their circumstances.

With expert advice and a friendly, personal approach, we guide you through every step—making the process clear, simple, and stress-free.

Clear Mortgage Advice, Whatever Your Next Move.

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First Time Buyers

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Home Movers

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Buy-to-Let / Holiday Lets

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Remortgaging

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Shared Ownership

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High Net-Worth

No two clients are the same, which is why we take the time to tailor our service to your individual circumstances and long-term goals. Our advice is bespoke, thoughtful, and entirely focused on what’s right for you. Your initial consultation is completely obligation-free, and we’re happy to meet in whatever way suits you best — by phone, video, or in person across Oxfordshire from our Bicester base and throughout the beautiful Cotswolds.

At Cotswold Mortgage & Protection, we believe that great advice starts with understanding you.

Mortgage FAQs

  • Yes! We work with lenders who specialise in self-employed applicants. We’ll guide you through what documents you’ll need and help present your case clearly.

  • Typically, you’ll need at least 5–10% of the purchase price. The more you can put down, the better your rate options may be.

  • A fixed-rate stays the same for a set period. A variable rate can change — meaning your monthly payments may rise or fall.

  • Absolutely. Whether you’re looking to save money, raise funds or simply switch lenders, we’ll find a solution that works for you.

  • We’re fully transparent. We’ll always explain any fees upfront — and many of our clients pay nothing for our mortgage advice.

Ready to Talk?

Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.

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“At Cotswold Mortgage & Protection, we handle the complexities so you don’t have to. From the moment you get in touch, we take ownership of the entire mortgage journey — from initial consultation and lender research, to application, approval, and final completion. We liaise directly with lenders, solicitors, and insurers on your behalf, ensuring every moving part is seamlessly coordinated.

We understand that your time is valuable. Whether you're navigating a home move, buying for the first time, or restructuring your finances, our goal is to lift the burden so you can stay focused on your career, your family, or simply enjoying the next chapter. Our clients trust us not just for advice, but for dependable, friendly support at every stage.

By working with Cotswold Mortgage & Protection, you’re not just accessing great rates — you're gaining a dedicated adviser who will guide you from start to finish, all with clarity, calm, and expert care.”