Mortgage broker · Reigate & Banstead, Surrey
Mortgage Broker in Redhill
Buying in Redhill or reviewing your mortgage? Ria Ali at PMS Mortgages offers mortgage and protection advice for Redhill clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Redhill mortgages with overtime and shift income
Your home may be repossessed if you do not keep up repayments on your mortgage.
For workers at East Surrey Hospital and other Redhill employers, basic salary may be only part of the income picture. Overtime, shift enhancements and bank work need to be explained and evidenced separately. Lenders may assess their reliability differently.
If you are comparing a flat with a house, include the property’s running costs in your budget. Leasehold service charges and planned works can affect what feels affordable even when the mortgage payment looks manageable. For a rental purchase, the lender also needs to assess the expected rent and property.
What to prepare before your mortgage review
Separate basic pay, overtime, enhancements and any additional employment.
Bring recent payslips and contracts, including evidence of recurring variable pay.
For a flat, ask for lease and service-charge information before committing.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore professional mortgages and buy-to-let advice. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Redhill
First-time buyers
Understand the purchase budget, deposit and application process.
NHS & shift workers
Present salary, shifts and additional work clearly to the lender.
Buy to let
Assess rental income, property suitability and the wider landlord position.
Income protection
Review your sick pay and policy terms when considering income protection.
Services for Redhill clients
Areas near Redhill we cover
As well as Redhill, we regularly advise clients in:
Merstham
Earlswood
Salfords
Nutfield
Horley
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.
Redhill mortgage questions
They may be considered, depending on the lender, how regularly they are paid and the evidence available. Give us a breakdown of each income source so we can check relevant criteria.
It may be possible, subject to lender criteria, lease terms, valuation and rental assessment. Your solicitor should check letting restrictions and the landlord obligations that apply to the property.
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 Redhill
Book a no-obligation consultation in person or by Zoom.