Mortgage broker · London Borough of Sutton
Mortgage Broker in Wallington
Mortgage and protection advice for Wallington and Beddington buyers, movers and landlords. Speak to Ria Ali at PMS Mortgages about your purchase or planned improvements, from our nearby Croydon office.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Wallington mortgages: buying or improving your home
Your home may be repossessed if you do not keep up repayments on your mortgage.
Whether you are buying in Wallington or improving your existing home in Beddington or Carshalton, plan the finance before committing to a building project. A loft conversion or extension can change the budget substantially once professional fees, contingency funds and temporary living costs are included.
If a property already has an extension, ask your solicitor and surveyor to review the relevant documents and condition. We focus on mortgage suitability and affordability. For an existing homeowner, we can compare the costs of a further advance and a remortgage where appropriate, including fees and any charge for leaving your current deal.
Prepare for a Wallington extension or loft project
Bring your mortgage statement, current rate and deal end date.
Provide the estimated project cost and the amount you want to fund yourself.
Ask your solicitor or surveyor about missing approvals before relying on a lending decision.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. See our remortgage and additional borrowing advice and residential mortgages. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Wallington
First-time buyers
Plan the deposit and wider costs of your first home.
Borrowing to extend
Compare suitable borrowing routes for an extension or loft project.
Buy to let
Discuss the proposed rent, property type and landlord mortgage requirements.
Critical illness cover
Review cover for specified serious illnesses, subject to policy definitions and conditions.
Services for Wallington clients
Areas near Wallington we cover
As well as Wallington, we regularly advise clients in:
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.
Wallington mortgage questions
Additional borrowing may be possible if it is affordable and meets lender criteria. We can compare a further advance with remortgaging, including fees, rates and any early repayment charge. Securing extra borrowing against your home increases the amount you owe.
Ask your solicitor and surveyor to check the property’s approvals and completion documents. Missing paperwork can affect a lender’s decision. Any proposed legal remedy or insurance needs to be considered by the appropriate professional and accepted by the lender.
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 Wallington
Book a no-obligation consultation in person or by Zoom.