Mortgage broker · London Borough of Croydon
Mortgage Broker in Croydon
Personal mortgage and protection advice for Croydon buyers, homeowners and landlords. Speak to Ria Ali about new-build flats, moving home, remortgaging or buy-to-let, from our office at Airport House, Purley Way.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Buying a flat or house in Croydon: mortgage checks
Your home may be repossessed if you do not keep up repayments on your mortgage.
Croydon's town centre has seen a wave of new-build apartments, which suit first-time buyers but come with their own lending rules: some lenders cap the loan-to-value on new-build flats or look closely at high-rise blocks. We know which lenders are comfortable with which developments before you reserve.
Further out, Victorian and Edwardian terraces in South Norwood, Addiscombe and Thornton Heath are popular with first-time buyers and landlords alike. With fast trains from East Croydon to London Bridge, Victoria and Gatwick, and the tram network, Croydon also attracts commuters and investors — and we arrange buy-to-let mortgages for both new and experienced landlords.Your home may be repossessed if you do not keep up repayments on your mortgage.
Buying a flat near East Croydon or a house in Addiscombe, South Norwood or Thornton Heath involves more than comparing an interest rate. PMS Mortgages helps you organise the property details, deposit and income evidence before choosing a mortgage route.
For a new-build or converted flat, ask the agent for the lease length, current service charge, ground rent terms and any planned major works. Building safety documents may also be relevant. Your solicitor handles the legal checks; we consider the mortgage implications and check the chosen lender’s requirements.
Before you reserve a Croydon flat
Share the development and full property address, not just the advertised purchase price.
Keep money aside for legal fees, moving costs and ongoing property charges.
Tell us about bonus, overtime, contract income or a recent job change.
Advice is led by Ria Ali, Principal Mortgage & Protection Adviser, from our office at Airport House, Purley Way, Croydon. Explore our residential mortgage advice and buy-to-let support, or contact us to discuss your next steps. Mortgage approval is subject to lender criteria and assessment.
How we help in Croydon
First-time buyers
Help with your deposit, purchase budget and mortgage application.
Buy to let
Discuss single lets, limited-company purchases and portfolio finance.
Contractors
Review your contract and income evidence before selecting a lender.
Buildings insurance
Review property cover and the start date required for your purchase.
Services for Croydon clients
Areas near Croydon we cover
We also offer mortgage advice to clients in nearby areas, including:
South Croydon
Addiscombe
Thornton Heath
Norbury
Shirley
PMS Mortgages serves this area from Airport House, Purley Way, Croydon. Arrange an office appointment, phone call or Zoom consultation to discuss your needs.
Croydon mortgage questions
A mortgage may be possible, but eligibility depends on your finances and the specific flat. Share the development, deposit, lease details, service charge and any building safety information so we can check relevant lender criteria. Approval remains subject to a full application, valuation and the lender’s assessment.
Our office is at Airport House, Purley Way, Croydon CR0 0XZ. Appointments can be arranged at the office or by phone or Zoom. Contact us before visiting so we can agree a suitable time.
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 Croydon
Book a no-obligation consultation in person or by Zoom.