capitalfortune

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Capital Fortune is a national and
award winning mortgage, buy-to-let
and insurance broker.

Call today to speak to an expert

0207 7 100 400

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As Featured
Our customers have rated our service
Feefo logoIndependant User Feedback Feefo logo98%
Customer - Buy to let remortgage
Excellent communication and speed of service throughout the process ...Read More

Non Standard Construction Mortgage

In the UK there is a huge variation of property types available, some being hundreds of years old while others were finished yesterday. As a result of having such a diverse range of homes available, there are lots of different types of construction and each of these has implications for mortgage lenders.

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What Our Customers Say

Customer - Further Advance
Very good! ...Read More
27 days ago

David Balgobin - Residential Purchase
I can highly recommend Capital Fortune and would definitely recommend Capital Fortune to anyone seeking a property loan in the UK. I can say unequivocally, that I would not have been successful in being approved for a property loan (mortgage) ...Read More
1 months, 2 days ago

Declan - Buy to let purchase
My experience with Capital Fortune was excellent. My case was a bit complicated and the product I was looking for was a niche mortgage product but the team at Capital Fortune made everything clear for me from their initial call. ...Read More
1 months, 3 days ago

Customer - Further Advance
As someone who finds tackling mortgages an anxious time I am very appreciative of how James Drury and Stephen Marsh saw me through the process with as little fuss and stress as possible. ...Read More
1 months, 5 days ago

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Standard construction

Standard construction in England and Wales is defined as brick or block walls. This means that anything else is considered non-standard. This could include homes with thatched roofs, concrete walls, high rise flats or modern prefabs- each type comes with different risks for a mortgage lender and as a result, each lender has a slightly different appetite for what they'll provide mortgages for.

Anyone who has bought a flat above the fifth floor in a block, or a timbre-framed home or tried to finance a Huf Haus will know that it's no easy task finding a mortgage. This can be frustrating, as often the quality of the property is of a very high standard, but the lender has rules about what they will and won't lend against.

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Know your lenders

Knowing which lenders are willing to lend on the different types of non-standard construction is critical to getting your mortgage approved; applying to one and hoping for the best is likely to result in being declined, and this can have a negative impact on your credit score.

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Not all mortgage brokers specialise in helping borrowers to secure a mortgage but having a really good, up to date knowledge of which lender is looking for what can mean you are able to buy your dream home or not. Speak to a specialist now.

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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.

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