PMS is part of the Sesame Bankhall Group (SBG). SBG is a market leader in financial services distribution. PMS was founded in 1996. It provides mortgages to subscribing intermediaries and brokers, all of whom are regulated by the Financial Conduct Authority.
The PMS panel of lenders covers all sectors of the mortgage market, which gives residential and commercial customers a wide range of product choices. PMS mortgages include mainstream products, buy to let
, equity release, Islamic finance, mortgages for near prime customers, bridging finance, secured homeowner loans, overseas mortgages, and commercial mortgages.
PMS has a referral service for high net worth borrowers.
PMS mortgages are designed for everyone, but their products are particularly good for difficult cases where a straightforward mortgage would not be suitable. Near prime borrowers who have had credit issues in the past and would be rejected by mainstream lenders should have no problem finding a lender via PMS.
A wide variety of mortgages are available from PMS, including fixed rate and discounted deals. Many mortgages are exclusive to PMS.
PMS mortgages for short term lending (also known as bridging finance) can help clients who need a mortgage for short periods of time. Examples of short term lending scenarios include divorce settlements, probate, auction property purposes, capital raising, buy to let and downsizing.
PMS can help landlords invest in new buy to let properties. They have access to a wide range of lenders that specialise in the buy to let sector. PMS lenders will provide mortgage finance for single rental units and HMOs. They can also help landlords with past credit problems if required.
PMS has access to Sharia compliant mortgages and customers can select exclusive PMS mortgage products from the Islamic Bank of Britain.
Customers cannot access PMS mortgages directly. PMS products are only available via mortgage brokers and intermediaries.