020 8668 6080
A row of Victorian terraced houses with white stucco porches on a London street

Fee-Free Mortgage Broker in Croydon, Surrey & South London

Fee-free, whole-of-market mortgage advice from Croydon. Ria Ali helps homebuyers, homeowners and landlords across Surrey, South London and the UK, including clients with complex income. Your home may be repossessed if you do not keep up repayments on your mortgage.

  • 18 Years of Mortgage Experience
  • 4.9/5 from 71 Google reviews
  • Personal advice from Ria Ali
Keys being handed over for a rental property

Professional landlords

Mortgages for portfolio and professional landlords

Large portfolios need advice that looks at the whole business, not just the next purchase. We work with professional landlords on limited company and SPV lending, HMOs and multi-unit blocks, bridging and auction finance, and using leverage to grow, with whole-of-market access and a tailored, personal service.

We have been professional landlords ourselves for over 20 years, so we understand the numbers from both sides.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Portfolio landlord mortgages
New homes under construction with timber frames

Self-build and development

Finance for building your own home or developing property

Building your own home? We arrange self-build mortgages with stage payments that fund your build as it progresses, from buying the plot to moving in.

Developing to sell or let? We arrange development finance for ground-up schemes, conversions and heavy refurbishments, from site purchase through to exit.

Development finance is not regulated by the Financial Conduct Authority.

Self-build mortgages

Your mortgage, in four clear steps

We explain the options, guide your mortgage application and keep you informed as your purchase or remortgage progresses.

  1. 1

    Initial consultation

    We discuss your income, commitments, deposit and plans, then explain the borrowing options that may be available. Any estimate is subject to a lender’s full assessment.

  2. 2

    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.

  3. 3

    We handle the detail

    We prepare and manage your mortgage application and liaise with the lender, estate agent and your chosen solicitor where appropriate. Your solicitor carries out the legal work and searches; a qualified surveyor carries out any survey you instruct. These are separate services with their own fees and terms. A lender’s valuation is not a survey for your benefit.

  4. 4

    Support to completion

    We help you understand the mortgage offer and keep in touch as the case progresses. Your solicitor manages exchange and completion, and the lender releases funds subject to its conditions.

MORTGAGE CALCULATOR

Estimate your mortgage repayments

Enter a loan amount, interest rate and a term greater than zero to estimate monthly repayments. This calculator does not assess your income, commitments or borrowing eligibility. The illustration is a guide only and is not a mortgage recommendation. All mortgages are subject to the specific lender’s eligibility criteria and assessment. Speak to us for advice based on your needs and circumstances.

Try Our Calculator
£
£
%
years
Property type
Property location

Monthly repayment

£1,111.66

Capital and interest over 25 years

Mortgage typeMonthlyTotal to pay
Repayment£1,111.66£333,499
Interest only£750.00£425,000
Stamp Duty
£2,500
Effective tax rate
1.00%
Loan to value
80.00%

For illustration only. Interest-only totals include repaying the loan at the end of the term. Tax figures use current published rates and exclude any non-resident surcharge. Your actual costs depend on your circumstances and the lender.

A British home financed through PMS Mortgages

18 Years of Mortgage Experience

WHY CHOOSE PMS MORTGAGES?

Meet Ria Ali, your mortgage adviser

Ria Ali leads PMS Mortgages from Airport House in Croydon. She holds CeMAP and CeRER qualifications and helps homebuyers, homeowners and landlords with personal mortgage and protection advice. With 18 years of mortgage experience and over 20 years as professional landlords, we understand both the borrowing and property decisions. Phone, Zoom and office appointments are available.

  • Expert Mortgage & Protection Advice

    Access to 90+ lenders and 1000s of deals, alongside leading protection insurers.

  • Personal Advice, Tailored to You

    Bespoke advice built around your circumstances and plans.

  • Complex Cases, Placed with the Right Lender

    Strong relationships with high-street and specialist lenders let us present and structure difficult cases, from foreign income and one year's accounts to adverse credit.

  • Personal Service from Start to Finish

    From your first call to completion and beyond.

  • Trusted Mortgage & Protection Advice

    Clear explanations of mortgage and protection options, including costs and exclusions, so you can make an informed decision.

Local mortgage advice

Mortgage advice across Croydon, Surrey and Sussex

Based at Airport House on Purley Way in Croydon, we help buyers, homeowners and landlords in Croydon, Guildford, Crawley, Reigate, Sutton, Purley, Epsom, Kingston upon Thames and the surrounding areas. Phone and video appointments are also available for clients across the UK.

Mortgage broker in Croydon
18
Years of Mortgage Experience
90+
Lenders we work with
Whole
Market mortgage access
What our clients say

Trusted by homeowners, landlords and investors

4.9 out of 5 from 71 Google reviews

  • “I cannot recommend Ria at PMS Mortgages highly enough! She is absolutely fantastic at what she does. Professional, knowledgeable, friendly and genuinely passionate about helping her clients. Ria goes above and beyond to make the whole mortgage process as straightforward and stress-free as possible. Her communication, attention to detail and willingness to help really set her apart. If you’re looking for a mortgage broker who genuinely cares, knows her stuff and will go the extra mile, Ria is definitely the person to speak to.”
    Cornerstone OfficeGoogle review · 3 weeks ago
  • “Ria has been absolutely fantastic as our mortgage adviser. She has helped us with multiple deals and has consistently gone above and beyond to make the whole process as smooth and stress-free as possible. Her knowledge, professionalism and communication are excellent. She is always available when we need advice, keeps us updated throughout, and works incredibly hard to get the best possible outcome. We have complete trust in Ria and would not hesitate to recommend her to anyone looking for a reliable, knowledgeable and genuinely caring mortgage adviser. Thank you, Ria, for all your hard work and continued support — you’ve been amazing! ⭐️⭐️⭐️⭐️⭐️”
    Satta PadhamGoogle review · a month ago
  • “Ria guided me through the process of achieving a larger LTV for my property purchase. In addition, she advised me to allow for an additional sum to cover house renovations and any unexpected costs, which was extremely helpful. Ria is friendly, approachable and highly knowledgeable. Her expertise and professional skills supported me throughout the entire process. The mortgage offer was received well within the timescales we had anticipated, and she was always willing to think outside the box and guide me through each stage of the journey. I found Ria incredibly helpful. She listened to my concerns and explained every aspect of the process in clear, easy-to-understand, manageable steps. What could have been a daunting and stressful experience was made much easier and well managed from start to finish. Ria’s professionalism, commitment and genuine care made a real difference. I would wholeheartedly recommend Ria to my family and friends without hesitation. If you are looking for a mortgage expert who is knowledgeable, committed and genuinely caring, I would highly recommend Ria and PMS.”
    Farah QadirGoogle review · a month ago
  • “We’ve been using Ria and the team at PMS Mortgages for around a decade and we couldn’t be happier with the service we’ve received. They’re consistently professional, knowledgeable and a pleasure to deal with, making the whole process feel straightforward and well looked after. We’ve also found their mortgage options to be really competitive and we’ve always appreciated the care and support they provide. We’d happily recommend Ria and her team to anyone looking for mortgage advice and we’ll definitely be using them again for our upcoming renewal.”
    Ibrar UlhaqGoogle review · 3 weeks ago
  • “I’ve been using Ria at Purley Mortgage Solutions for the past 10 years, and I genuinely couldn’t recommend her highly enough. She is absolutely fantastic at what she does. Ria is extremely knowledgeable, professional and reliable, and she always goes above and beyond to find the best mortgage solution for us. She explains everything clearly, keeps us updated throughout the whole process, and somehow manages to make what can be a stressful experience feel straightforward and easy. Over the years, we’ve always been able to rely on Ria for honest advice and excellent service. Her experience and dedication really show, and I wouldn’t consider using anyone else for our mortgage needs. Simply the best mortgage adviser we’ve dealt with. Highly recommended!”
    Omar ZuberiGoogle review · a month ago
Frequently asked questions

Got questions? We’ve got answers.

A family unpacking cardboard boxes on the floor of their new home
  • Most UK mortgage lenders typically offer between 4 and 4.5 times your annual gross household income, depending on your credit history, existing outgoings and deposit size. As a whole-of-market broker, we check your eligibility across the lenders that suit your circumstances to find out how much you could borrow.

  • We believe in complete transparency. Our mortgage advice is fee-free. We are usually paid a commission by the lender when your mortgage completes, and we will tell you the amount before you proceed. If you would like a Mortgage Capacity Report, this costs £399, and any mortgage that follows is still fee-free.

  • On average, a mortgage application takes between 2 and 4 weeks from submission to formal mortgage offer, depending on property valuation and lender processing speeds. We proactively manage and chase every party so you stay informed at every step.

  • Yes. Securing your home also means protecting your family. We arrange life insurance, critical illness cover, income protection, family income benefit, and buildings & contents insurance, tailored to your budget and mortgage commitment.

  • Yes. Complex cases are a big part of what we do. Through our working relationships with high-street and specialist lenders, we know which lenders will consider your circumstances and how to present and structure your application to fit their criteria. We regularly help with multiple income streams, foreign income, expats, landlords, one year's accounts, changes in company structure, long gaps in employment, a new job that hasn't started yet, bonuses not yet paid, applications with more than two applicants, and adverse credit. Every case is different and approval is always down to the lender, so speak to us early and we'll tell you honestly what's possible.

Let's take the next step

Book a free, no-obligation consultation with an experienced mortgage adviser today.

Call us on 020 8668 6080