Mortgage broker · London Borough of Wandsworth
Mortgage Broker in Wandsworth
Moving from a flat to a family home in Wandsworth? Ria Ali at PMS Mortgages offers mortgage and protection advice for Wandsworth clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Wandsworth home moves and joint mortgage applications
Your home may be repossessed if you do not keep up repayments on your mortgage.
A home move needs a budget that combines the expected sale proceeds, mortgage balance, purchase costs and any extra borrowing. If your current mortgage has an early repayment charge, compare the cost of redeeming it with any option to port the existing product. Porting still requires the lender’s assessment.
Buying with a partner or friend creates both mortgage and ownership questions. We can discuss the borrowing and each applicant’s income and commitments. Your solicitor should advise on ownership shares, a declaration of trust and what happens if circumstances change.
What to prepare before your mortgage review
Bring the current mortgage statement and details of early repayment charges.
Confirm each applicant’s deposit contribution, income and debts.
Discuss ownership arrangements and future sale plans with your solicitor.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Read our moving-home advice and family income benefit guidance. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Wandsworth
First-time buyers
Prepare a joint budget and explain the purchase process.
Family upgrades
Assess sale equity, extra borrowing and porting options.
Professionals
Review employment and variable income evidence.
Family protection
Consider dependants, debts and existing cover when discussing protection.
Services for Wandsworth clients
Areas near Wandsworth we cover
As well as Wandsworth, 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.
Wandsworth mortgage questions
You can discuss a joint application, subject to lender criteria and the applicants’ circumstances. Your solicitor should advise on ownership shares and suitable legal arrangements. The mortgage obligations also need to be understood by everyone involved.
Your product may be portable, but approval is not automatic. The lender will reassess you and the new property; extra borrowing may have a different rate and charges may apply.
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 Wandsworth
Book a no-obligation consultation in person or by Zoom.