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Mortgages with Lodger Income

Lodger Income

Buy to Let to 85% LTV

Residential to 90% LTV

No Maximum Age

Repayment and Interest Only

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Mortgages with Lodger Income

Lodger mortgages are available to individuals wishing to let a room or part of their main property to a lodger. The government’s rent a room scheme exempts some rental income from tax. However the exemption only applies to income in certain circumstances. Lodger mortgages can therefore be suitable for individuals such as first time buyers needing extra income to support their monthly mortgage payments. Nevertheless, with no full tenancy agreement with lodgers, rental income can be unpredictable, making it difficult to obtain lodger mortgages in some cases.

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Our advisers at Capital Fortune understand the problems various applicants may face when looking to obtain suitable lodger mortgages. Over the years we have established links and contacts with a number of lodger mortgages providers. As a result, we have the knowledge and expertise to secure the best deals for you. Our expert advisers will use their experience and connections to increase your chances of a successful application. Our personalised service is tailored to your individual requirements to enable us to find lodger mortgages deals to suit you.

Call our mortgage broker team now on 0207 7 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

Read all 1546 reviewsOur customers have
rated our service
An organisation who helps to realise your dreams!
The remarkable online feedback for Capital Fortune depicts strong story which otherwise is hard to believe until you start doing business with them. I engaged Capital Fortune for my mortgage matter and my journey throughout has been incredible. Whilst the entire organisation is extremely professional and friendly, I will like to call out special thanks to. ...Read More
Amit Parab - Remo

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What our customers say

Excellent service! 10/10
Our mortgage application was managed by James Drury and Stephen Marsh. From the initial call with James through to our subsequent dealings with Stephen, the whole process was very smooth and clear. The dashboard to upload required information was easy. ...Read More
Andy E - Purchase
17 days ago

Superb service
We were guided superbly through the entire mortgage application process by James Drury and Stephen Marsh. We are delighted to have received our mortgage offer. Many thanks. ...Read More
Customer - Purchase
18 days ago

Definitely recommend them.
Great service, very organised and professional with prompt communication and clear explanations. ...Read More
Stuart Wright - Buy to let remortgage
20 days ago

Find out current Rates

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.

Quick Decisions with No Credit Scoring

In assessing your requirements, we do not use credit scoring and we can provide an accurate estimate of the amount of borrowing and the viability of your requirements, without effecting your credit score.

We avoid credit searches at the initial stages given that numerous credit searches will impact your ability to access cheap credit. It is clear that too many credit applications in a short period of time will impact your score and whilst it is important to shop around, formal applications for a mortgage can trigger rejections, as it gives the impression you may be desperate for credit. It is essential when making enquiries for any financial product, that the Company does not credit score you, until such time as you have agreed to make a formal application.

We can indicate your chances of approval prior to any application being made and where necessary, can obtain decisions in principle from lenders who do not use credit scoring.

 

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Discounted Rates

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There are no products found that meet the search criteria. Please contact us on 020 77 100 400 for further assistance.

5 Year Fixed Rates

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