Mortgage broker · London Borough of Croydon
Mortgage Broker in Purley
Mortgage and protection advice for Purley buyers, movers and landlords, led by Ria Ali at PMS Mortgages. Discuss your next home or remortgage with appointments at our Croydon office, by phone or Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Moving home in Purley: plan the mortgage and the move
Your home may be repossessed if you do not keep up repayments on your mortgage.
Purley's mix of 1930s semis, Edwardian family homes and large detached houses on the hills towards Kenley and the Webb Estate means buyers here range from first-time buyers stretching for a flat near the station to families moving up for more space and better schools.
Larger purchase prices often mean larger loans, so we regularly look at lenders who will lend higher income multiples, or interest-only on part of the mortgage, for Purley movers. With trains from Purley to London Bridge and Victoria, many clients also commute into central London and have bonus or overtime income that some lenders treat more generously than others.Your home may be repossessed if you do not keep up repayments on your mortgage.
If you are moving within Purley or considering a home in Kenley or Riddlesdown, start with the whole moving budget. The equity you expect from your sale is only one part of the picture: legal fees, moving costs, any early repayment charge and extra borrowing also need to be considered.
PMS Mortgages can review your existing deal alongside a new mortgage for the property you want to buy. Tell us if your income includes a bonus, commission or self-employed earnings, and whether you expect childcare or other household costs to change after the move.
Prepare for your Purley home move
Bring your current mortgage balance, deal end date and early repayment charge details.
Estimate your sale proceeds and the deposit left after moving costs.
Tell us whether your purchase depends on selling another property.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore our home mover mortgage advice and larger residential loans. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Purley
Moving up the ladder
Compare porting your current deal with a mortgage for your next home.
Larger loans
Discuss the purchase budget, income evidence and larger borrowing requirements.
Remortgaging
Review your current deal, switching costs and available alternatives.
Family protection
Review life cover and income protection around your mortgage and family needs.
Services for Purley clients
Areas near Purley we cover
We also offer mortgage advice to clients in nearby areas, including:
Kenley
Sanderstead
Riddlesdown
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.
Purley mortgage questions
You can arrange an appointment at Airport House, Purley Way, Croydon, or speak with us by phone or Zoom. We serve Purley from this office; contact us before visiting to arrange a suitable time.
Possibly, if your mortgage product allows porting and the lender approves a new application. We review the new property, your income, any additional borrowing and early repayment charges, then compare porting with a new deal. Keeping your existing rate is not guaranteed.
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 Purley
Book a no-obligation consultation in person or by Zoom.