Mortgage broker · Epsom & Ewell, Surrey
Mortgage Broker in Epsom
Buying in Epsom or Ewell, or approaching the end of your mortgage deal? Ria Ali at PMS Mortgages offers mortgage and protection advice for Epsom clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Epsom remortgages: compare the full cost of switching
Your home may be repossessed if you do not keep up repayments on your mortgage.
A remortgage review should look beyond the headline interest rate. Product fees, legal or valuation costs, early repayment charges and the amount outstanding can change which option offers suitable value. A new lender’s mortgage and a product transfer with your existing lender are different routes.
For an Epsom new-build purchase, share the developer’s completion timetable and incentive package early. For a home move, consider whether porting is available and how any extra borrowing would be priced. Approval and timing depend on the lender’s assessment.
What to prepare before your mortgage review
Note your current deal’s end date, balance and early repayment charges.
Explain any changes in income, spending or plans to move.
Compare fees and payments over the period you expect to keep the mortgage.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Read our remortgage guidance and residential mortgage advice. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Epsom
New-build homes
Check the completion timetable and lender requirements for a new-build home.
Upsizing
Budget for your move and assess any additional borrowing.
Rate switching
Compare payments, fees and early repayment charges before switching.
Family income benefit
Explore a regular family benefit subject to policy terms and eligibility.
Services for Epsom clients
Areas near Epsom we cover
As well as Epsom, we regularly advise clients in:
Ewell
Stoneleigh
Ashtead
Worcester Park
Leatherhead
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.
Epsom mortgage questions
Begin the discussion well before your current deal ends so there is time to assess options. The appropriate application date depends on offer validity, lender rules and any early repayment charge.
We can compare relevant product-transfer options with mortgages from other lenders. A lower rate is not always the lowest overall cost, and your circumstances and future plans matter.
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 Epsom
Book a no-obligation consultation in person or by Zoom.