Mortgage broker · Tandridge, Surrey
Mortgage Broker in Caterham
Buying or remortgaging in Caterham Valley or Caterham-on-the-Hill? Ria Ali at PMS Mortgages offers mortgage and protection advice from our Croydon office, by phone or Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Caterham property purchases: check the home and budget
Your home may be repossessed if you do not keep up repayments on your mortgage.
A purchase in Caterham Valley or Caterham-on-the-Hill should start with a clear view of the property as well as your finances. If the home needs renovation, has unusual construction or includes outbuildings, give us those details early rather than waiting until the mortgage application.
Keep the purchase budget separate from the cost of improvements. A standard mortgage valuation is for the lender; discuss a suitable survey with a qualified surveyor and ask your solicitor about approvals or title issues. We can then review the borrowing options around the information available, without assuming renovation costs can be added to the mortgage.
Planning a Caterham purchase that needs work
Share the listing, construction details and any known condition issues.
Get a realistic estimate for renovation costs and keep contingency funds aside.
Explain whether you need to live in the property while work is carried out.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore specialist mortgage situations and remortgage advice. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Caterham
Moving out of London
Plan your budget and application for a move to Caterham.
Unusual properties
Review construction and property details before approaching a lender.
Remortgaging
Consider the cost and affordability of extra borrowing for improvements.
Home insurance
Discuss buildings and contents insurance for the property you are buying.
Services for Caterham clients
Areas near Caterham we cover
As well as Caterham, we regularly advise clients in:
Whyteleafe
Warlingham
Woldingham
Godstone
Oxted
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.
Caterham mortgage questions
A mortgage may be possible, depending on construction, condition, valuation and lender criteria. Give us the property details so we can check potential mortgage issues early. A qualified surveyor and your solicitor should advise on condition and legal matters.
It depends on the property, your finances and the proposed work. A standard purchase mortgage will not necessarily cover renovation costs. We can discuss suitable borrowing routes and their costs; do not commit to work on the assumption that extra funding will be approved.
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 Caterham
Book a no-obligation consultation in person or by Zoom.