Mortgage broker · London Borough of Merton
Mortgage Broker in Wimbledon
Planning a Wimbledon purchase or reviewing a larger mortgage? Ria Ali at PMS Mortgages offers mortgage and protection advice for Wimbledon clients from our Croydon office, by phone or by Zoom.
- Advice led by Ria Ali
- No-obligation consultation
- Office, phone or Zoom appointments
Wimbledon mortgages with bonuses, dividends and larger loans
Your home may be repossessed if you do not keep up repayments on your mortgage.
Where bonuses or dividends contribute to your income, a mortgage assessment needs more than one headline salary figure. Lenders may average variable earnings, use only part of them or ask for a longer history. Provide a clear breakdown and explain whether you expect the payments to continue.
A larger mortgage should still leave room for household spending and changing circumstances. Consider how payments might change at the end of a fixed rate, and review existing employer benefits before deciding on protection. The appropriate cover depends on your debts, dependants, budget and policy terms.
What to prepare before your mortgage review
Provide basic salary, bonus history and company or tax documents where relevant.
Record household spending, existing debts and the deposit source.
Bring details of life cover, sick pay and other employer benefits.
Speak to Ria Ali, Principal Mortgage & Protection Adviser, about your plans. Read about larger residential loans and life assurance. Mortgage options depend on your circumstances, the property and the lender’s assessment.
How we help in Wimbledon
Larger loans
Assess affordability and the total borrowing cost for a larger loan.
Professionals
Review salary, bonuses and other income against lender criteria.
Remortgaging
Compare relevant new-lender deals and existing-lender options.
Life & critical illness
Discuss the amount, term, cost and conditions of protection.
Services for Wimbledon clients
Areas near Wimbledon we cover
As well as Wimbledon, we regularly advise clients in:
Raynes Park
South Wimbledon
Wimbledon Park
Merton Park
Southfields
Colliers Wood
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.
Wimbledon mortgage questions
Some lenders consider bonus income when it is evidenced and meets their criteria. How much counts varies, and borrowing is subject to the overall affordability and credit assessment.
There is no single amount suitable for everyone. We consider the mortgage, dependants, other resources, existing cover, term and budget. We explain the policy conditions and options before recommending cover.
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 Wimbledon
Book a no-obligation consultation in person or by Zoom.