I'm Michelle Niziol and I have been an independent mortgage broker for many years in and around the Oxfordshire and Buckinghamshire areas. As an independent mortgage advisor I compare mortgages from the whole of the market so whether you are a first time buyer, moving home, remortgaging, looking for a further advance, buy to let, let to buy, right to buy, self build or commercial mortgage I can find you the most competitive mortgage deal. I provide a personal service and assist you with the whole mortgage process from initial appointment right through to completion, my aim is to build long lasting relationships with my clients and offer excellent customer service.

Serviced Areas

  • Oxon, Bucks, Northants, London

Contact Details

  Website
  City Bicester
  Postcode OX26 6RD
  Address 6 Deans Court
  Phone Number 018 6924 8339

From Our Website

We hope you all stay safe through these unprecedented times and we look forward to working with you. We advertise on Rightmove, across IMS's multiple social media platforms, and through a network of over 5,000 property buyers and investors throughout Oxfordshire and surrounding areas. Whether you are looking to sell your home, have a property to let, require a mortgage or need advice on property investment, we are committed to providing the best possible choice, value and service to get the right result for you.


IMS is an independent sales and letting agent, mortgage brokerage and property investment group. With offices in Bicester, Oxford, Thame, Fitzrovia, Aylesbury, Milton Keynes and High Wycombe, we have been providing bespoke solutions for all our clients' property needs for over twelve years. During this time, the company has grown from specialising in mortgages to catering for a whole range of property services, whether you're a landlord, prospective tenant, homebuyer or investor. We are registered with the National Association of Estate Agents (NAEA) and the Association of Residential Lettings Agents (ARLA), and have also achieved the Level 3 Technical Award in the Sale of Residential Property and Residential Letting and Property Management.


We will review your current financial position and your future requirements before recommending a solution that best meets your needs. When moving home you may want to port your existing mortgage, which means you take your current mortgage with you to a new property. This could save you the cost of any redemption penalties with your existing lender. If additional borrowing is required then a 'top up' mortgage can be arranged. Alternatively, applying for a new mortgage with another lender could provide an opportunity to get a better interest rate than your current mortgage.


With a Help to Buy: Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you'll only need a 5% cash deposit and a 75% mortgage to make up the rest. You won't be charged loan fees on the 20% loan for the first five years of owning your home. If the home in the example above sold for 210,000, you'd get 168,000 (80%, from your mortgage and the cash deposit) and you'd pay back 42,000 on the loan (20%). You'd need to pay off your mortgage with your share of the money.


We are able to access competitive exclusive products that aren't available directly from the lender, some of which come with free features such as free legal fees and free mortgage valuation. When taking out a mortgage with us you will not need to keep track of when you are due to remortgage as we can do that for you. We will also contact you when you're close to the end of your mortgage deal and arrange a review for you. If you are looking to consolidate debt, raise money for home improvements or release equity then remortgaging may also be an option for you.


It's long been said that bricks and mortar are one of the best asset classes to invest in due to the capital appreciation in property over the long term. This is when compared to other investment vehicles such as stocks and shares. Investing a small or large amount in property, whether it is a property you want to live in or rent out, is an exciting proposition, but it can be a daunting process. This is why we treat the investment as if it was our own. We offer a personal and tailored property investment and management service to help find your ideal property.


Get your free instant online valuation or book a valuation appointment by using the tools below, or give our experienced and passionate agents a call on 01869 248339 or email us info@imsinternet.co.uk, we will be happy to help you sell your home ‘homes without the hassle'. Your property is marketed on Rightmove, One Dome, Move Streets and across our multiple social media platforms and website. Additionally, as an estate agent and mortgage broker, clients will have their properties promoted across our extensive, 5,000-strong network of property buyers and investors throughout Oxfordshire and surrounding areas.


IMS is a leading independent whole of market mortgage broker, offering exceptional mortgage advice with offices in Bicester, Oxford, Thame, Milton Keynes, High Wycombe, Aylesbury & Fitzrovia, we can service any type of mortgage throughout the whole of the UK. Our team of expert advisers will help you secure the best mortgage deal whether you're a first time buyer, looking for help to buy or shared ownership, remortgaging your home, buying to let, Let to buy, looking for a commercial mortgage, equity release mortgage, self build mortgage or moving up the property ladder.