Mortgage and protection advice for Purley
Modern Mortgage Solutions is based in Banstead, helping clients in Purley, Kenley and Sanderstead. We help first-time buyers, home movers, landlords and existing homeowners understand their options and get things done.
We have been guiding clients since 2005, from first-time buyers to seasoned property investors. We help with residential mortgages, remortgages, buy-to-let, complex cases and protection insurance.
Areas we cover around Purley
We help clients in and around Purley, including:
If you are not sure whether we can help, just ask: we serve clients across Surrey and the UK.
Situations we can help with
Flats and first homes
If you are buying your first flat or house, we can explain deposits, affordability checks and what lenders need from you.
Family moves
Moving to a larger home in Purley or Sanderstead? We can help you plan the timing and understand how much lenders may consider.
Leasehold and flats
Lenders look closely at lease length and property details for flats. We can explain what they may ask for early on.
Buy-to-let
If you own or plan to buy a rental property in Purley, we can talk through buy-to-let finance in your own name or a limited company.
Every case is different. Whether a lender will offer you a mortgage, and on what terms, depends on your circumstances and the lender's criteria. We will explain your options once we understand your situation.
How it works
- Initial consultationWe take time to understand your goals, circumstances, and finances - no jargon, no pressure.
- Market searchWe look for products that suit your needs and explain the options clearly.
- ApplicationWe handle the paperwork, liaise with lenders, and keep you updated at every stage of the process.
- CompletionCollect your keys. Before your deal expires, we will contact you to discuss what options are available.
Getting in touch
We are based in Banstead. You can call us, WhatsApp us or send an enquiry and a member of the team will get back to you. Our phone lines are open Monday - Friday, 9am - 6pm.
Questions people ask
Do you have an office in Purley?
No. We are based in Banstead, helping clients in Purley and the surrounding area. You can speak to us by phone or WhatsApp, or send an enquiry.
Do you charge a fee?
Fees are dependent on individual circumstances and will be payable on application. The typical fee would be £495; maximum 2% of the mortgage loan.
Can you help if I am self-employed or a contractor?
Yes, we can help with non-standard situations, including self-employment, contractors, complex income streams and bonus structures. See our complex mortgages page and document checklist.
Can you tell me today's rates?
Mortgage pricing changes regularly, so we provide the latest options directly based on your circumstances. Call us or send an enquiry.
Please note: This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.