Mortgage broker · London Borough of Wandsworth
Mortgage Broker in Tooting
Working in Tooting, including at St George’s Hospital? Ria Ali at PMS Mortgages offers mortgage and protection advice for Tooting clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Tooting mortgages for NHS staff, junior doctors and locums
Your home may be repossessed if you do not keep up repayments on your mortgage.
NHS income may include basic salary, enhancements, overtime and bank shifts. Junior doctors can also have rotation contracts, while locum work may be employed or self-employed. These distinctions affect the documents a lender needs and how income may be assessed.
Provide the contract dates and explain planned rotations or employment changes before applying. We can help organise the evidence and review relevant lender criteria alongside your deposit and spending. A professional role does not guarantee approval or a particular borrowing amount.
What to prepare before your mortgage review
Bring payslips, the current contract and details of future rotations.
Separate basic pay, enhancements, bank shifts and locum income.
Provide tax and business evidence if any work is self-employed.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Explore mortgages for professionals and income protection. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Tooting
Doctors & NHS staff
Review contracts, rotations and the structure of NHS or locum income.
First-time buyers
Prepare the deposit, budget and property application.
Buy to let
Assess rental income and the relevant landlord requirements.
Income protection
Review NHS or employer sick pay and policy eligibility.
Services for Tooting clients
Areas near Tooting we cover
As well as Tooting, we regularly advise clients in:
Tooting Bec
Earlsfield
Colliers Wood
Furzedown
Streatham
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.
Tooting mortgage questions
Rotation contracts do not automatically prevent a mortgage. Lenders differ in their approach to fixed-term employment and work history. Share the current and upcoming contract details so we can review the evidence.
They may be considered where the lender’s requirements are met. Regularity and the evidence available matter. Bank or locum income should be identified separately from your main salary.
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 Tooting
Book a no-obligation consultation in person or by Zoom.