Mortgage Broker Croydon, Surrey — Serina Donalds

Broughton is one of the areas where Serina Donalds provides tailored mortgage broker services. Clients across Croydon, Surrey benefit from expert advice across residential, commercial, and specialist finance options.

Areas Covered Near Surrey

Homeowners and investors can also access support in:

✔ Purley ✔ Sutton ✔ Banstead ✔ Mitcham ✔ Wallington ✔ Coulsdon

Residential Mortgages for All Circumstances

Whether you’re buying your first home in Broughton or moving within Croydon, Serina offers lender-matched advice based on income and deposit size. All recommendations comply with FCA rules and UK lending standards.

Expect guidance for:

✔ First-time buyers
✔ Home movers
✔ Shared ownership buyers
✔ Applicants with variable income

Buy-to-Let and HMO Mortgage Advice

Buy-to-let purchases in Croydon remain in high demand. Serina supports landlords with standard buy-to-let, HMO financing, and property portfolio expansion.

She assists with:

✔ Stress testing and rental yield expectations
✔ Lending criteria for HMO licences
✔ Portfolio structuring for growth
✔ Switching from residential to investment use

Broughton landlords benefit from local insight into rental trends and lender rules.

Bridging Finance Specialists — Speed Matters
Clients in Croydon often use bridging loans to secure property fast. Serina has deep knowledge of this area and can guide you through options for time-sensitive cases.

Bridging loans may be useful if:

✔ You’re buying before selling your existing home
✔ You’re buying at auction
✔ A chain has broken and you need short-term funding
✔ You’re refurbishing a property before remortgaging

Each solution considers exit strategy, interest roll-up, and term limits. Bridging finance is available across Broughton and surrounding towns.

Limited Company Mortgages and SPV Setups
Landlords using a Limited Company structure for tax efficiency can receive clear, tailored advice.

Serina helps with:

✔ SPV mortgage structuring
✔ Business bank account checks
✔ Director guarantees
✔ Accountant coordination
✔ Multi-unit lending for Broughton and Croydon investments

Semi-Commercial and Commercial Property Mortgages

If you’re investing in shops with flats above or full commercial units, Serina’s advice is lender-approved and aligned with valuation criteria.

She assists with:

✔ Semi-commercial risk analysis
✔ Yield-based lending
✔ Business use assessments
✔ Croydon-based property inspections and lender coordination

Second Charge Mortgages

When a remortgage isn’t the best route, Serina offers second charge solutions.

These can help if:

✔ You have an early repayment charge
✔ You want to keep your main rate
✔ You need funds quickly
✔ Uses include home improvements, debt restructuring, or investing in further property.

Protection and General Insurance
As a full-service mortgage broker in Croydon, Serina provides guidance on:

✔ Life insurance
✔ Critical illness cover
✔ Income protection
✔ Buildings and contents insurance
✔ Protecting your assets and family matters—whether you’re in Broughton or nearby.

Why Choose Serina Donalds — Mortgage Broker Croydon, Surrey

✔ Broughton is one of her key service areas
✔ Direct access to over 120 UK lenders
✔ Fast, responsive communication
✔ FCA-regulated and compliant with UK standards
✔ Support for complex income, company structures, or multi-property buyers
✔ Tailored solutions for every stage of life and property investment

If you’re looking to buy, invest, or refinance in Croydon, Broughton, or across Surrey — contact Serina Donalds today for precise, compliant mortgage guidance.