Mortgage Advisor Moreton-in-Marsh

Clear and practical mortgage advice in Moreton-in-Marsh

Our Services

Bicester Mortgage Advice

First Time Buyers

First Time Buyers Mortgage Advisor

Buying your first home in Moreton-in-Marsh is an exciting step, with everything from charming stone cottages to new-build homes on the market. We’ll help you understand how much you can borrow, explain the process clearly, and secure a mortgage that fits your budget and lifestyle.

Remortgaging

Remortgaging

If your current deal is ending or you want to release equity, remortgaging can reduce your monthly repayments or free up funds for home improvements. We’ll search across the whole market to find a deal that matches your needs and gives you flexibility for the future.

Moving Home

Moving Home

Planning to move within Moreton-in-Marsh or to another part of the Cotswolds? Whether you’re upsizing, downsizing, or relocating for work or schools, we’ll handle the mortgage side of things. From porting your existing deal to arranging a new one, we’ll ensure your move runs as smoothly as possible.

Buy To Let

Buy To Let

With its thriving tourist trade and popularity with commuters to Oxford, Cheltenham, and London, Moreton-in-Marsh offers excellent opportunities for landlords. We’ll help you find the right buy to let mortgage, whether you’re investing for the first time or expanding your property portfolio.

Moreton-in-Marsh Mortgage Advisor

Why Choose Us?

We pride ourselves on making mortgages simple. By offering independent advice, taking care of the paperwork, and keeping you updated throughout, we ensure the whole process feels straightforward. With us, you’ll always know your options and feel confident about your next steps.

Why Choose Tom Garvie Mortgages?
Tom Garvie Mortgages provides whole of market access

More Mortgage Options, Better Deals

Whole Of Market Access

We’re not tied to any single bank or building society. Instead, we search the whole mortgage market, including exclusive broker-only deals, to find the right mortgage for your situation. Whether you’re self-employed, have a complex income, or simply want the best rate, we’ll find a deal that works for you.

Other Services

Protection

Your mortgage is one of your biggest commitments, so it makes sense to protect it. Life Insurance ensures your mortgage and family are covered if the worst happens. Critical Illness Cover provides financial support if you’re diagnosed with a serious condition. Income Protection offers a regular income if you can’t work due to illness or injury. We’ll tailor protection to suit your needs, giving you confidence your home and finances are safe.

Protection Services

5 Star Service

See What Our Clients Say

EXCELLENT
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Based on 115 reviews
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Jenny Rankin
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Tom and Stella provided us with an absolutely fantastic service from start to finish! We couldn't have got through the mortgage and purchasing process without them. They held our hand throughout, going above and beyond. We would definitely recommend them without any hesitation.
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M S
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Excellent service. Tom really did help me out with sorting my mortgage. The house move was not the smoothest but Tom was always on hand which really was appreciated. Would highly recommend. Thank you
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Julie Kendall
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Alan Cooper Estate Agents recommended Tom Garvie to help us mortgage our new home. Right from day 1, I felt that we were in good hands with Tom and Stella. I can remember calling after 6pm one night thinking it would go to messages but no, Tom answered and even though he was on a walk, still took the time to speak with me. The mortgage was sorted so quickly and when the chain broke and the offer expired , within days a new offer was through. Stella emailed often throughout the whole process checking that all was ok. Excellent service. Thank you both.
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Ted Ball
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Massive Thank you to Tom and his Team. Very Professional and knowledgeable. Helped me every step of the way buying my first home. Will definitely be going back when it comes to remortgaging. Highly recommend to anyone !
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Ryan Witts
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I was needing a remortgage as I was coming to the end of my five year fixed mortgage. Warren was incredibly supportive and helpful throughout the entire process, which really took away any stress. I would and have recommended Warren to my family, friends & colleagues. I would highly recommend to anyone.
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Toby Ward
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I highly recommend this company and Thomas Fuller's help in securing a good mortgage for myself, and also helped look at other insurance products for myself. He made the process painless and very quick, which has been much appreciated!
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Sariah Gallacher
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Had a great service with Tom, Stella and team. Very efficient and communicated great through the process. Will definitely be using them again.
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Jack Reed
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Have worked with Tom and Stella for multiple remortgages on our property, and they are professional, personable and excellent with their communication. They are a formidable team and business if you are looking for mortgage services. Wouldn't look anywhere else. Highly recommended.
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Andrea Parker
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A professional and friendly service was received from Tom and Stella. The process was very smooth and pain free and I would have no hesitation in recommending them. Thanks guys!
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Elizabeth Payne
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Absolutely great support. Always at the end of the phone, really friendly team and they acted extremely quickly. Whole process sorted in less than a week without me really needing to do anything! Fully recommend for first time buyers. They made the process so simple.

Moreton-in-Marsh Mortgage Advice

Did You Know?

Moreton-in-Marsh is a historic market town. The town has hosted a weekly market since the 13th century and remains one of the busiest street markets in the Cotswolds today.
It’s a key gateway to the Cotswolds. With a direct train to London Paddington and easy links to Oxford and Worcester, Moreton is popular with commuters as well as visitors.
The area blends history and modern living. From traditional Cotswold stone cottages to new housing developments, the variety of homes makes it an appealing place for both buyers and investors.

Our Most Frequently Asked Questions

FAQ's

How much deposit do I need in Moreton-in-Marsh?

Most lenders require at least five percent, but putting down a larger deposit can help secure better rates.

Yes, options like Shared Ownership may be available in the area. We’ll check what’s on offer and if you qualify.

Typically payslips, bank statements, and ID. We’ll give you a clear checklist before you apply.

When is the best time to remortgage?

Most people look around three to six months before their current deal ends. We’ll help you compare your options early to avoid moving onto a higher rate.

Yes, you can often release funds for home improvements, consolidating debts, or supporting family. We’ll explain the options available.

Not at all. We’ll compare the whole market to see if switching gives you a better deal.

Can I transfer my current mortgage to a new home?

Sometimes — this is called porting. If it isn’t possible, we’ll arrange a new mortgage that fits your new property.

Before you put your property on the market. That way, you’ll know your borrowing limits and be prepared.

Solicitors’ fees, surveys, and moving costs all need to be factored in. We’ll make sure you know what to expect.

How much deposit do I need for a buy to let in Moreton-in-Marsh?

Typically around 25%, though this can vary depending on the lender and property type.

Yes, its mix of tourism and strong commuter links makes it attractive for tenants.

Yes, though requirements vary between lenders. We’ll find the most suitable options for your circumstances.