Mortgage Advice - Mortgage advice from Capital Fortune is offered through our fully trained advisors.
We are comprehensive panel mortgage brokers - which means we are not restricted regarding the intermediary lenders we can approach for your mortgage.
We do however appreciate we are not right for everyone and we best assist clients:
- With non-standard/non-traditional requirements;
- That are time pressed and need quick results; or
- Those that just need a guiding hand through the entire mortgage process.
There are three stages to our award winning process:-
Stage 1 - Indicative Rate: Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility, undertake detailed reseach on the potential rates, confirm we can safely assist and importantly, express how we operate.
Stage 2 - Approval in Principle: This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone or face to face with your dedicated mortgage adviser. Once complete, your adviser undertakes research across a comprehensive panel of lenders to recommend the right mortgage and insurance products for you. Detailed illustrations are provided, and your adviser will review these with you and answer any questions you may have. If you are happy with the illustration we will then obtain formal approval from the lender and/or insurance provider.
Stage 3 - Full Application: We will process your full application and liaise directly with the lenders and insurers on your behalf. We organise the mortgage valuation and deal with any issues that may arise during the mortgage application.
There is an investment needed for our service. This fee will be dependant on your circumstances, but is typically £1295 and is typically payable £495 upfront with any balance due on completion. If your mortgage application is declined on initial underwriting you will receive a refund of the upfront payment, all part of our Money Back Guarantee. Full details can be found in the Initial Disclosure Document (IDD) which your adviser will issue to you following the end of your initial call.
We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with Financial Conduct Authority (FCA) guidelines and best practice.
If you wish to speak to an adviser, do call us on 020 77 100 400 or submit an online enquiry.