Mortgage broker · West Sussex
Mortgage Broker in Crawley
Buying in Three Bridges, Pound Hill, Maidenbower or elsewhere in Crawley? Ria Ali at PMS Mortgages offers mortgage and protection advice for Crawley clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Crawley mortgages: new employment and variable earnings
Your home may be repossessed if you do not keep up repayments on your mortgage.
A new job, probation period or variable hours can affect the documents a lender needs. If you work shifts or have a changing pay pattern, distinguish contractual basic income from overtime and allowances. We can review the evidence before you make assumptions about your borrowing.
For a first home, budget for the deposit and purchase costs separately. If you are considering shared ownership, include rent on the remaining share and service charges alongside the mortgage. Availability and eligibility depend on the scheme, property and lender.
What to prepare before your mortgage review
Bring the employment contract, start date and recent income evidence.
Explain any probation period, gap in employment or variable hours.
For shared ownership, obtain the share price, rent and service-charge details.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore complex income mortgages and first-home mortgage advice. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Crawley
First-time buyers
Set a realistic budget for the deposit, fees and monthly costs.
Variable income
Explain variable pay and check how the lender will assess it.
Buy to let
Review the rental assessment and landlord borrowing requirements.
Landlord insurance
Consider suitable cover for the property and tenancy arrangement.
Services for Crawley clients
Areas near Crawley we cover
As well as Crawley, we regularly advise clients in:
Three Bridges
Pound Hill
Maidenbower
Ifield
Horley
Copthorne
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.
Crawley mortgage questions
Shared ownership may be available on eligible properties and with participating lenders. Your mortgage, rent and service charges need to be assessed together. We can discuss the scheme requirements and your circumstances.
A new job does not automatically prevent a mortgage. The contract, start date, probation terms and previous work history may matter, and lenders take different approaches. Approval remains subject to the full assessment.
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 Crawley
Book a no-obligation consultation in person or by Zoom.