Croydon

Croydon Mortgage

Property Finance Choices

Helping you secure the perfect funds at the most competitive rates quickly for your home purchase, remortgage, or professional needs.

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020 3758 9393

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sales@propertyfinancechoices.com

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About Property Finance Choices

Welcome to Property Finance Choices, your trusted mortgage broker, here to assist you in making informed decisions for your property financing needs. Whether you are a first-time homebuyer, looking to remortgage, or seeking investment opportunities, we are dedicated to providing personalised solutions tailored to your unique financial circumstances.

At Property Finance Choices, we understand that navigating the complex world of mortgages can be overwhelming and time-consuming. Our team of experienced and qualified mortgage advisors is here to simplify the process for you. We take the stress out of finding the right mortgage by offering expert guidance and a wide range of services to suit your requirements.

Our commitment to transparency and customer satisfaction sets us apart. As independent mortgage brokers, we work with a diverse panel of lenders, ensuring you have access to a comprehensive selection of mortgage products, including fixed-rate, variable-rate, and specialised mortgages. With our assistance, you can compare rates, terms, and features to secure the most competitive and suitable deal for your needs.

Specialist Local Mortgage Broker

A Decision in Principle (DIP), also known as an Agreement in Principle (AIP) or Mortgage in Principle (MIP), is a document or statement provided by a mortgage lender that indicates how much they are willing to lend you based on an initial assessment of your financial situation. While it is not a guarantee that you will be approved for a mortgage, it serves several important purposes and benefits for potential homebuyers:

Get your Free Decision in Principle certificate here

Range of Lenders

Access to a whole range of lenders providing you the most competitive offers.

Dedicated Case Handler

Have just one point of contact to ensure a smooth process.

No hidden costs!

We charge a one time application fee and we sometimes receive commission from a 3rd party lender with full transparency.

Local Expert Guidance

We have been working in this local area for more than 5+ years we understand all the local market trends providing you the best service.

Mortgage Enquiry

Residential Mortgages | HMO | BTL | Refinance | Bridging Finance | Development Finance

Want to start viewing properties?

If you wish to start viewing properties you must first get a Decision in principle this is to show that you can financially afford it. Simply fill in a short 10 minute form below to have a certificate emailed to you.

We are Looking for Introducers.

We are always on the hunt for new people to refer us clients in return we offer a high referral fee which your own ability to track the applications in real time.

The Application Process

Compare and Check

Let us compare the latest mortgage deals for you over the phone, or do it yourself in real-time online using our online application portal.

Apply Online

You won't have to tell us any info twice, we'll keep it and put it in the form so you can check it and apply by phone or online.

Track and Complete

Track your application online 24/7. We'll even appoint a dedicated case manager who'll do all the legwork for you. We will keep you updated every step of the way all the way up until completion.

Voted Croydon's Trusted Mortgage Broker 5 Years in a row!

Our Partners

haart is the UK’s largest independent estate agent. Every year, haart helps tens of thousands of people buy, sell, let or rent their home

At Livin Estate Agents, we understand that your home is more than just bricks and mortar; it’s a space filled with memories, hopes, and dreams. 

 Whether you are buying, selling, or letting property, or you are in search of affordable, professional property management, Oaks Estate Agents Addiscombe are the ones to call. 

Established in 2007, Croydon Estates, is a leading estate agent providing a comprehensive service to our customers including buyers, vendors, landlords and tenants within Croydon and surrounding area.

Free valuations for sales or rental properties are personally given by John and his friendly team. 

Cray & Norton Estate Agents welcome you, our success has been built around our well-known excellence in selling and Letting property. 

Frequently Asked Questions

Most high-value property is too expensive for people to buy just using savings or cash. Buying in cash may also not be advantageous from a fiscal perspective or when it means you put all your money into a property but have no remaining liquidity. Mortgages are loans that lenders offer to allow individuals to borrow funds to buy a property if you can’t or don’t want to buy it outright. You repay the lender over several years.

For most mortgages, you will need to put down a cash deposit. You will owe the remaining amount to your lender, and you will repay the loan in monthly instalments over a set period (known as the loan term). If you cannot repay the loan, your lender can repossess your home.

For anyone looking for high-value mortgages (£1 million or more) or if you are a high-net-worth individual, there are lots of mortgages to choose from. The best mortgage for you will depend on your financial background, how much you want to borrow, the type of property you want to buy (e.g., residential, buy-to-let, second home) and your ambitions. PFC’ expert team of brokers will be able to talk you through your options, but high loan-to-value mortgages, million-pound-plus mortgages, buy-to-let mortgages, interest-only mortgages and equity release mortgages may all be options.

There are lenders for every type of property. As an independent broker specialising in high-value mortgages, PFC has access to more than 500 lenders. PFC has connections with lenders that specialise in every type of property including buy-to-let mortgages, commercial property purchases, property development, high-value mortgages, foreign national mortgages and non-resident mortgages and more. Your broker will source and negotiate the most competitive mortgage for you, whatever kind of property you are hoping to buy and however much you want to borrow.

Croydon Mortgage Broker - Our Services

Property Finance Choices are professional mortgage brokers founded in 2022 with more than 25+ years experience across the team.

We have access to all lenders including high street banks, multinational private banks, specialist lenders and funds, private offices and high net-worth investors.

Our Core Services Are:

– Buy to Let Mortgages (for single properties, portfolios and multi-unit blocks)
– Bridging Finance (1st and 2nd charge for residential or commercial properties)
– Development Finance (for high-value single units, multi-unit blocks, commercial property including offices, hotels, retail, student accommodation and PRS)
– Developer Exit Loans (to refinance recently completed development schemes)
– Commercial Mortgages (offices, retail, hotels, restaurants, for investment or owner occupation)
– Borrowers can be personal names or Ltd company / corporate structures and UK or overseas nationals
– Our core business is in London, but we cover all of the UK and also arrange finance for European real estate
– Remortgaging finance to match your needs and achieve a better rate
– Working with HNW Individuals and Companies to acquire and source exclusive funding

We also provide advice around all forms of insurance to pay out in the event of an accident, illness, injury or death to make sure you and your family are protected against whatever life throws your way.

Blogs

Mortgages for Low-Income Borrowers

Owning a home is often seen as a distant dream for those with limited income. However, several mortgage programs are specifically designed to help low-income individuals achieve homeownership. Understanding Your Options Here are some of the most common mortgage programs available for low-income borrowers: Government-Backed Loans Other Programs Key Considerations

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The Impact of Property Valuation on Mortgages

Property valuation is a critical factor in the mortgage process. It determines the amount a lender is willing to lend you, the interest rate you’ll pay, and even whether your mortgage application is approved. How Property Valuation Affects Mortgages Understanding the Valuation Process To ensure a smooth mortgage process, it’s

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Understanding Mortgage Cashback Offers

A mortgage cashback offer is a type of home loan that provides the borrower with a lump sum of cash upon completion of the mortgage deal. This cash can be used for various purposes, such as covering moving costs, home improvements, or any other expenses. How Does it Work? Advantages

Read More »
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