Mortgages
Whether you are buying, moving, remortgaging or looking at a more specialist mortgage, we help you understand the options available and what lenders may require. Any mortgage recommendation will depend on your circumstances, affordability and lender criteria. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.
Explore mortgage services
Mortgage Services from PMS Mortgages
Support is available for residential mortgages, remortgaging, product transfers, buy-to-let, portfolio landlords and more complex cases.
Residential Mortgages
Residential mortgage advice for first-time buyers, home movers, remortgages, product transfers, complex income and professional clients.
Buy to Let Mortgages
Buy-to-let mortgage advice for individual landlords, limited companies, portfolio landlords, HMOs, holiday lets, refinancing and product transfers.
First-Time Buyers
Buying your first home, step by step: deposits, what you could borrow, the application and everything up to getting the keys.
Remortgaging
Remortgage and product transfer advice, including rate reviews, lender comparisons, affordability checks and mortgage application support.
Contractor Mortgages
Mortgage advice for contractors, day-rate workers and clients with contract-based income, including lender criteria and affordability support.
Complex Cases
Mortgage advice for complex income, self-employed clients, contractors, directors, specialist properties and non-standard mortgage cases.
Professional Mortgages
Mortgage advice for professionals, including complex income, bonuses, partnership income, contractors and career-led affordability.
Large residential loans
Mortgage advice for higher-value residential loans, complex income, professionals and clients needing larger mortgage borrowing.
Interest Only
Interest-only mortgage advice, including repayment strategy, lender criteria, remortgage options and risk considerations.
Holiday let Mortgages
Holiday let mortgage advice for specialist rental properties, including projected income, lender criteria and refinancing options.
Second Homes
Second home mortgage advice for additional properties, family use, holiday homes and clients with existing mortgage commitments.
Not sure which option fits your situation?
Speak directly with an adviser. We will look at your circumstances and explain your options without obligation.
How it works
Starting your mortgage journey with us
A straightforward four-stage process, from your first conversation to the day you complete.
- 01
Initial consultation
Speak to PMS for an initial consultation to assess your affordability and an indication of the type of borrowing available to you within the mortgage market.
Affordability assessed across 90+ lenders - 02
Full consultation
If you're happy to go ahead, PMS Mortgages will arrange a full consultation by Zoom, phone or face to face. Where appropriate, we can help you obtain an Agreement in Principle. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.
Indicative borrowing assessed - 03
We handle the detail
Once you have found a property we take care of everything else: the mortgage application, surveys, solicitors, searches and dealing with any estate agents or developers on your behalf.
Application, surveys and legal work managed - 04
Support to completion
Your dedicated case manager and your adviser will be on hand to guide you through the whole process.
Supported right through to completion
Ready to take the first step?
Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.
Speak to a mortgage adviser
Tell us what you are planning and we will explain the mortgage routes worth considering.