Mortgage broker · Royal Borough of Kingston upon Thames
Mortgage Broker in Kingston upon Thames
Buying in Kingston upon Thames or reviewing a rental property? Ria Ali at PMS Mortgages offers mortgage and protection advice for Kingston clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Kingston mortgages: leasehold homes and rental property
Your home may be repossessed if you do not keep up repayments on your mortgage.
For a flat in Kingston, the lease and ongoing costs need checking alongside the purchase price. Ask about the remaining term, ground rent, service charge and any planned major works. Your solicitor reviews the legal terms; the lender considers whether the property meets its lending requirements.
If your plan involves student tenants or a house in multiple occupation, disclose the intended letting arrangement before applying. An ordinary buy-to-let mortgage is not automatically suitable for every tenancy. Licensing, planning and lender criteria need to be considered separately.
What to prepare before your mortgage review
Obtain the lease term, service-charge figures and known major-works information.
For a rental purchase, provide the proposed rent and tenancy arrangement.
Check licensing and planning requirements with the council and legal advisers.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore buy-to-let mortgages and residential mortgage advice. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Kingston
Buy to let & HMOs
Review the letting type and lender’s experience and rental requirements.
First-time buyers
Understand the deposit, fees and monthly running costs.
Professionals
Present salary and variable income clearly for assessment.
Landlord insurance
Discuss cover appropriate to the property and tenancy.
Services for Kingston clients
Areas near Kingston we cover
As well as Kingston, we regularly advise clients in:
Surbiton
New Malden
Norbiton
Tolworth
Teddington
Hampton Wick
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.
Kingston mortgage questions
We can discuss suitable options, but availability depends on the property, experience, licensing position and lender criteria. Describe the intended occupancy clearly before applying.
Minimum lease requirements vary between lenders and can depend on the mortgage term. Ask your solicitor to confirm the remaining term and any extension issues. We can check the proposed lender’s criteria.
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 Kingston
Book a no-obligation consultation in person or by Zoom.