Mortgage broker · Reigate & Banstead, Surrey
Mortgage Broker in Reigate
Planning a purchase or remortgage in Reigate? Ria Ali at PMS Mortgages offers mortgage and protection advice for Reigate clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Buying in Reigate: equity, property condition and timing
Your home may be repossessed if you do not keep up repayments on your mortgage.
A move to Reigate can involve using equity from a sale, buying a period property or taking on a larger mortgage. Start by separating your expected sale proceeds from the deposit actually available after repaying the existing mortgage and meeting moving costs.
For a listed or older property, tell us about its construction, condition and any planned alterations. Mortgage lending, a building survey and legal checks serve different purposes. Your solicitor should advise on listing restrictions and permissions, while a suitable survey can help you understand repair costs.
What to prepare before your mortgage review
Bring your mortgage balance, sale estimate and details of any early repayment charge.
Share the property listing and any known construction or condition concerns.
Explain the sale chain and whether completion dates are linked.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Read about moving home and complex mortgage cases. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Reigate
Upsizing
Plan the mortgage alongside the sale proceeds and moving costs.
Larger loans
Review affordability and the overall cost of borrowing.
Period & listed homes
Discuss the property with the lender and refer legal and survey questions to the right professionals.
Home insurance
Review buildings cover, including the needs of an older or listed home.
Services for Reigate clients
Areas near Reigate we cover
As well as Reigate, we regularly advise clients in:
Merstham
Woodhatch
Betchworth
Earlswood
Kingswood
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.
Reigate mortgage questions
A listed property is not automatically excluded, but the lender will assess the construction, condition and valuation. Your solicitor should check the legal restrictions, and you should consider an appropriate survey.
Sale equity can form a deposit once it is available. The timing of your sale and purchase, mortgage repayment and moving costs affect the amount you can use. We can review your borrowing needs and coordinate the application around the proposed move.
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 Reigate
Book a no-obligation consultation in person or by Zoom.