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

Mortgage Broker in Croydon, Purley & Surrey

PMS Mortgages is your local mortgage broker for Croydon, Purley and Banstead. We help first-time buyers, homeowners and landlords find suitable mortgage and protection options, with advice available across London, Surrey and the UK. Your home may be repossessed if you do not keep up repayments on your mortgage.

  • 18 Years of Mortgage Experience
  • Personal Advice, Tailored to You
  • No obligation advice

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?

Mortgage Advice You Can Rely On

We're a whole-of-market mortgage broker, committed to finding the right solution for you. Our experienced advisers take the time to understand your goals and provide honest, jargon-free advice.

  • 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.

  • Trusted Mortgage & Protection Advice

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

  • Personal Service from Start to Finish

    From your first call to completion and beyond.

Local mortgage advice

Mortgage advice across Croydon, Purley and Surrey

Based at Airport House on Purley Way in Croydon, we help buyers, homeowners and landlords in Purley, Banstead and the surrounding area. Phone and video appointments are also available for clients across the UK.

Explore the areas we cover
18
Years of Mortgage Experience
90+
Lenders on our panel
Whole
Market mortgage access
What our clients say

Trusted by homeowners, landlords and investors

Posted on Google
Farah Qadir
Farah Qadir
3 weeks ago3 weeks 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.

Read more
Posted on Google
Muneer Basha
Muneer Basha
a week agoa week ago

Ria @ PMS have been a mortgage partner for life. All our property mortgages from my 1st primary property to many buy-to-lets have all been through her. Her flexibility, availability, commitment and above all the diligent approach to recommend the best outcome is commendable. Thanks Ria/ thanks PMS for the wonderful partnership till now and in future

Read more
Posted on Google
Waseem Iqbal
Waseem Iqbal
2 weeks ago2 weeks ago

Excellent experience with PMS Mortgages. The team were professional, friendly and attentive, clearly explaining all the terms and making the whole process straightforward.

A special shout-out to Ria for her exceptional support, care and attention to detail throughout. Highly recommended!

Read more
Posted on Google
Kip Singh
Kip Singh
3 weeks ago3 weeks ago

I can’t recommend Ria highly enough! She was recommended to me through a family member, and I’m so glad I reached out to her for help with my mortgage.

From the very beginning, Ria was incredibly helpful, professional, and supportive. She took the time to understand my circumstances, explained everything clearly, and was always available whenever I had questions or needed reassurance. She even agreed to met me face to face last minute on a weekday without hardly any notice. She made what could have been a stressful and complicated process feel so much easier and more manageable

Thank you Ria, I wouldn’t hesitate to recommend her to family, friends, or anyone looking for a fantastic mortgage broker.

Read more
Posted on Google
AJ D
AJ D
3 weeks ago3 weeks ago

We bought our first house with Ria in 2020 and then renewed a few years later when the initial period ended. From start to finish the process was fantastic. Ria managed to help secure a fantastic rate and the process was super smooth. Happy to recommend as I do already.

Read more
Posted on Google
Farah Qadir
Farah Qadir
3 weeks ago3 weeks 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.

Read more
Posted on Google
Muneer Basha
Muneer Basha
a week agoa week ago

Ria @ PMS have been a mortgage partner for life. All our property mortgages from my 1st primary property to many buy-to-lets have all been through her. Her flexibility, availability, commitment and above all the diligent approach to recommend the best outcome is commendable. Thanks Ria/ thanks PMS for the wonderful partnership till now and in future

Read more
Posted on Google
Waseem Iqbal
Waseem Iqbal
2 weeks ago2 weeks ago

Excellent experience with PMS Mortgages. The team were professional, friendly and attentive, clearly explaining all the terms and making the whole process straightforward.

A special shout-out to Ria for her exceptional support, care and attention to detail throughout. Highly recommended!

Read more
Posted on Google
Kip Singh
Kip Singh
3 weeks ago3 weeks ago

I can’t recommend Ria highly enough! She was recommended to me through a family member, and I’m so glad I reached out to her for help with my mortgage.

From the very beginning, Ria was incredibly helpful, professional, and supportive. She took the time to understand my circumstances, explained everything clearly, and was always available whenever I had questions or needed reassurance. She even agreed to met me face to face last minute on a weekday without hardly any notice. She made what could have been a stressful and complicated process feel so much easier and more manageable

Thank you Ria, I wouldn’t hesitate to recommend her to family, friends, or anyone looking for a fantastic mortgage broker.

Read more
Posted on Google
AJ D
AJ D
3 weeks ago3 weeks ago

We bought our first house with Ria in 2020 and then renewed a few years later when the initial period ended. From start to finish the process was fantastic. Ria managed to help secure a fantastic rate and the process was super smooth. Happy to recommend as I do already.

Read more
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 to 4.5 times your annual gross household income, depending on your credit history, existing outgoings, and deposit size. We check your specific eligibility across 90+ lenders to find your maximum borrowing capacity.

  • We believe in complete transparency. We may charge a broker fee for mortgage advice depending on circumstances (typical fixed fee is £479, payable only upon formal offer), with zero fees on straightforward product transfers. All costs are confirmed upfront before proceeding.

  • On average, a mortgage application takes between 2 to 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.

Let's take the next step

Book a no-obligation consultation with one of our expert advisers today.

Call us on 020 8668 6080