Mortgage Broker in Croydon, Purley & Surrey
PMS Mortgages is your local mortgage broker for Croydon, Purley and Banstead. We help first-time buyers, homeowners and landlords find suitable mortgage and protection options, with advice available across London, Surrey and the UK. Your home may be repossessed if you do not keep up repayments on your mortgage.
- 18 Years of Mortgage Experience
- Personal Advice, Tailored to You
- No obligation advice
Buying a homeAccess to 90+ lenders, from the high street to the specialists.Residential mortgages
RemortgagingComing to the end of a deal? We will tell you if moving is worth it.Remortgaging
Buy to letFinance for a first rental or a growing portfolio.Buy to let mortgages
ProtectionCover that keeps the roof over your family if life changes.Life insurance
How can we help?
Tailored mortgage and protection solutions for every stage of life.
Residential Mortgages
Buying or moving home? A PMS Mortgages residential mortgage broker can help you compare suitable lenders, prepare your application and plan the costs.Read moreBuy to Let Mortgages
Buy-to-let mortgage broker advice for landlords, limited companies and portfolios. Review rental income, lender criteria and refinancing with PMS Mortgages.Read more
First-Time Buyers
Buying your first home? Get mortgage broker help with deposits, affordability, an agreement in principle and your application from PMS Mortgages.Read moreRemortgaging
Mortgage rate ending? Compare remortgages and product transfers with a PMS Mortgages broker, including fees, early repayment charges and switching times.Read moreLife Insurance
Compare life insurance cover amounts, policy terms and costs with PMS Mortgages. Plan cover for your mortgage and family, with exclusions explained.Read more
Buildings Insurance
Review buildings insurance with PMS Mortgages. Understand rebuilding costs, insured events, excesses, exclusions and the cover needed for your property.Read more
Your mortgage, in four clear steps
We explain the options, guide your mortgage application and keep you informed as your purchase or remortgage progresses.
1Initial consultation
We discuss your income, commitments, deposit and plans, then explain the borrowing options that may be available. Any estimate is subject to a lender’s full assessment.
2Full consultation
If you're happy to go ahead, PMS Mortgages will arrange a full consultation by Zoom, phone or face to face. Where appropriate, we can help you obtain an Agreement in Principle. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.
3We handle the detail
We prepare and manage your mortgage application and liaise with the lender, estate agent and your chosen solicitor where appropriate. Your solicitor carries out the legal work and searches; a qualified surveyor carries out any survey you instruct. These are separate services with their own fees and terms. A lender’s valuation is not a survey for your benefit.
4Support to completion
We help you understand the mortgage offer and keep in touch as the case progresses. Your solicitor manages exchange and completion, and the lender releases funds subject to its conditions.
Estimate your mortgage repayments
Enter a loan amount, interest rate and a term greater than zero to estimate monthly repayments. This calculator does not assess your income, commitments or borrowing eligibility. The illustration is a guide only and is not a mortgage recommendation. All mortgages are subject to the specific lender’s eligibility criteria and assessment. Speak to us for advice based on your needs and circumstances.
Try Our CalculatorMonthly repayment
£1,111.66
Capital and interest over 25 years
| Mortgage type | Monthly | Total to pay |
|---|---|---|
| Repayment | £1,111.66 | £333,499 |
| Interest only | £750.00 | £425,000 |
- Stamp Duty
- £2,500
- Effective tax rate
- 1.00%
- Loan to value
- 80.00%
For illustration only. Interest-only totals include repaying the loan at the end of the term. Tax figures use current published rates and exclude any non-resident surcharge. Your actual costs depend on your circumstances and the lender.
18 Years of Mortgage Experience
Mortgage Advice You Can Rely On
We're a whole-of-market mortgage broker, committed to finding the right solution for you. Our experienced advisers take the time to understand your goals and provide honest, jargon-free advice.
Expert Mortgage & Protection Advice
Access to 90+ lenders and 1000s of deals, alongside leading protection insurers.
Personal Advice, Tailored to You
Bespoke advice built around your circumstances and plans.
Trusted Mortgage & Protection Advice
Clear explanations of mortgage and protection options, including costs and exclusions, so you can make an informed decision.
Personal Service from Start to Finish
From your first call to completion and beyond.
Mortgage advice across Croydon, Purley and Surrey
Based at Airport House on Purley Way in Croydon, we help buyers, homeowners and landlords in Purley, Banstead and the surrounding area. Phone and video appointments are also available for clients across the UK.
Explore the areas we cover- 18
- Years of Mortgage Experience
- 90+
- Lenders on our panel
- Whole
- Market mortgage access
Trusted by homeowners, landlords and investors
I completed the purchase of my first house last month, and I am absolutely thrilled with the exceptional service I received from Ria Ali. From the very beginning of the home buying / mortgage process to the final closing, she was by my side, guiding me every step of the way. I am immensely grateful to Ria for her dedication, professionalism, and unwavering support. Thank you Ria for all your help!
Excellent service!! environment welcoming and clean, highly recommended.
I cannot recommend Ria at PMS Mortgages highly enough! She is absolutely fantastic at what she does. Professional, knowledgeable, friendly and genuinely passionate about helping her clients.
Ria goes above and beyond to make the whole mortgage process as straightforward and stress-free as possible. Her communication, attention to detail and willingness to help really set her apart.
If you’re looking for a mortgage broker who genuinely cares, knows her stuff and will go the extra mile, Ria is definitely the person to speak to.
My uncle sought Ria's help after he went through changing circumstances.
Her expertise, resourcefulness and strong professional network helped sort out quite a tricky situation and so he told me to write this review on his behalf!
Would recommend to anyone looking for that extra mile from their mortgage broker.
I can't recommend Ria and the team at PMS Mortgages highly enough.
Ria gave me exceptional advice on my investments, talked me through the different angles I could take, and helped me understand how to make the most of my financial situation.
What stood out most was how much time she gave me. She went through the whole process step by step, answered every question, and never once put me under pressure to decide.
Everyone I dealt with at PMS Mortgages was friendly and professional, and I came away feeling informed and confident rather than rushed.
If you want advice from people who genuinely care about getting it right for you, speak to Ria and the team at PMS Mortgages.
I completed the purchase of my first house last month, and I am absolutely thrilled with the exceptional service I received from Ria Ali. From the very beginning of the home buying / mortgage process to the final closing, she was by my side, guiding me every step of the way. I am immensely grateful to Ria for her dedication, professionalism, and unwavering support. Thank you Ria for all your help!
Excellent service!! environment welcoming and clean, highly recommended.
I cannot recommend Ria at PMS Mortgages highly enough! She is absolutely fantastic at what she does. Professional, knowledgeable, friendly and genuinely passionate about helping her clients.
Ria goes above and beyond to make the whole mortgage process as straightforward and stress-free as possible. Her communication, attention to detail and willingness to help really set her apart.
If you’re looking for a mortgage broker who genuinely cares, knows her stuff and will go the extra mile, Ria is definitely the person to speak to.
My uncle sought Ria's help after he went through changing circumstances.
Her expertise, resourcefulness and strong professional network helped sort out quite a tricky situation and so he told me to write this review on his behalf!
Would recommend to anyone looking for that extra mile from their mortgage broker.
I can't recommend Ria and the team at PMS Mortgages highly enough.
Ria gave me exceptional advice on my investments, talked me through the different angles I could take, and helped me understand how to make the most of my financial situation.
What stood out most was how much time she gave me. She went through the whole process step by step, answered every question, and never once put me under pressure to decide.
Everyone I dealt with at PMS Mortgages was friendly and professional, and I came away feeling informed and confident rather than rushed.
If you want advice from people who genuinely care about getting it right for you, speak to Ria and the team at PMS Mortgages.
Got questions? We’ve got answers.
Most UK mortgage lenders typically offer between 4 to 4.5 times your annual gross household income, depending on your credit history, existing outgoings, and deposit size. We check your specific eligibility across 90+ lenders to find your maximum borrowing capacity.
We believe in complete transparency. We may charge a broker fee for mortgage advice depending on circumstances (typical fixed fee is £479, payable only upon formal offer), with zero fees on straightforward product transfers. All costs are confirmed upfront before proceeding.
On average, a mortgage application takes between 2 to 4 weeks from submission to formal mortgage offer, depending on property valuation and lender processing speeds. We proactively manage and chase every party so you stay informed at every step.
Yes. Securing your home also means protecting your family. We arrange life insurance, critical illness cover, income protection, family income benefit, and buildings & contents insurance, tailored to your budget and mortgage commitment.
Let's take the next step
Book a no-obligation consultation with one of our expert advisers today.