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Croydon is one of the areas where Rayanne Archer offers professional mortgage broker services, backed by knowledge of the local market and lender criteria. Based in Surrey, Rayanne helps clients secure competitive mortgage deals across a range of property types.
Whether you need help with residential purchase, commercial investment, or limited company buy-to-let, her services are designed to meet UK lending standards.
Buying or refinancing in Croydon or across Surrey requires local insight and a clear understanding of your goals. Rayanne offers support throughout the mortgage process for:
Residential Properties
Commercial and Semi-Commercial Properties
Buy-to-Let and HMO (House in Multiple Occupation) Investments
Limited Company Mortgages
Bridging Finance
Protection and General Insurance
Every client gets tailored guidance from the first discussion to completion.
Rayanne Archer has particular expertise in bridging loans, which are useful when:
You’re buying before selling
You need funds to complete a quick transaction
You’re renovating or converting a property
You’re securing land or auction property
These loans are typically short-term. They require a clear exit strategy and property valuation. Rayanne will help ensure your application meets all lender expectations.
While based in Croydon, Rayanne also supports clients in neighbouring Surrey towns:
Purley
Caterham
Epsom
Redhill
Mitcham
Wallington
This regional knowledge helps her recommend lenders who understand local values and risk profiles.
Whether you’re starting your property portfolio or expanding it, Rayanne can help. She provides advice on buy-to-let mortgages, including:
Houses in Multiple Occupation (HMOs)
Student rentals
Multi-unit blocks
Professional lets
She also assists with limited company structures. These can offer tax benefits depending on your long-term plans and accountant’s advice.
Each type of mortgage requires different underwriting. Rayanne will help you understand:
Deposit requirements
Income verification standards
Loan-to-value ratios
Repayment terms and early repayment conditions
She also helps with semi-commercial properties like flats above shops, which many high street lenders won’t support.
More landlords are using limited company structures for tax efficiency. Rayanne helps set up these cases properly with lenders who:
Accept SPVs (Special Purpose Vehicles)
Understand rental yield income
Require director guarantees
She’ll also advise on affordability calculations based on rental income, not just personal salary.
Getting a mortgage is only part of the journey. Rayanne also helps clients choose protection products including:
Life insurance
Critical illness cover
Income protection
Building and contents cover
This ensures that your property investment is safeguarded against risk.
Rayanne Archer is committed to offering clear, jargon-free advice in line with UK regulations. She supports clients through:
Agreement in Principle (AIP) setup
Document preparation
Solicitor coordination
Lender updates and follow-through
Her FCA-regulated services prioritise transparency, not commission targets.
Local experience in Croydon and six nearby Surrey towns
Skilled in residential, commercial, buy-to-let, and bridging finance
Knowledge of limited company lending for landlords
FCA-regulated advice tailored to your financial situation
Clear, short explanations – no complex industry terms
Support in English, Cantonese, and Mandarin
Whether you’re purchasing a flat near East Croydon station, a mixed-use building in Purley, or an HMO in Mitcham, Rayanne Archer is the trusted mortgage broker for Croydon, Surrey. Her advice is structured to fit UK lending rules and local property conditions.
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.