Mortgage broker · London Borough of Wandsworth
Mortgage Broker in Battersea
Buying an apartment in Battersea or Nine Elms? Ria Ali at PMS Mortgages offers mortgage and protection advice for Battersea clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Battersea apartment mortgages: leases, charges and building checks
Your home may be repossessed if you do not keep up repayments on your mortgage.
A new-build apartment, mansion flat and converted property can raise different mortgage questions. The advertised price is only one part of the budget: service charges, ground rent where applicable and planned works can affect ongoing costs. Ask for the lease information early.
For a block of flats, the lender may need building-safety information before accepting the property. An EWS1 form is not required for every building. The documents needed depend on the building and the lender’s assessment. Your solicitor should also review the legal and financial implications of any known issues.
What to prepare before your mortgage review
Obtain the lease term, service charges and details of planned major works.
Ask the seller or developer what building-safety information is available.
Disclose incentives, expected completion dates and any planned letting.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore apartment mortgage advice and contractor mortgages. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Battersea
New-build apartments
Plan around the developer timetable, incentives and property documents.
Larger loans
Review income, deposit and costs for a larger purchase.
Buy to let
Check the lease permits the planned letting and assess rental borrowing.
Contractors
Present contracts and income evidence for lender assessment.
Services for Battersea clients
Areas near Battersea we cover
As well as Battersea, we regularly advise clients in:
Clapham Junction
Nine Elms
Clapham
Vauxhall
Battersea Park
Meetings are available at our office at Airport House, Purley Way, Croydon, at your home, or over Zoom. Get in touch to arrange a time.
Battersea mortgage questions
The lender may need further building information, but requirements vary. Share the property details early so the relevant criteria can be checked. Not every block needs an EWS1 form.
They form part of the property’s ongoing cost and may be included in the lender’s affordability assessment. Budget for known changes and discuss major works with your solicitor.
We may charge a broker fee for mortgage advice depending on your circumstances. A typical fixed fee is £479, payable on offer, and the fee is always confirmed before you proceed. Your first conversation with us is without obligation.
Speak to a mortgage adviser about Battersea
Book a no-obligation consultation in person or by Zoom.