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Bonus and Commission Income Mortgages
Increased Borrowing Capacity
Monthly, Quarterly or Annual
Restrictive Stock Units (RSUs)
Up to 100% Considered
Vested Share Options & Cash
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Mortgage with Bonus Income
It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too. Joe Crosby, Golders Green
Capital Fortune can help clients arrange a mortgage where part, or all of their income is derived from commission or bonuses.
A lot of customers that contact us are annoyed that lenders will not take into account their commission or bonuses they receive, particularly if they have a track record.
Some customers also tell us that their lender has declined them for a mortgage simply because their commission or bonuses are of a higher percentage than their base salary.
This may mean they have to put down a bigger deposit or not secure the full mortgage loan they were hoping for.
Our team at Capital Fortune appreciate that bonus and commission income can be paid in several different ways – usually monthly, quarterly or annually.
It generally comprises a cash payment but, for some, may also include vested share options or vested cash payments over a number of years.
We work with lenders who can take a more pragmatic and holistic approach.
If your bonus or commission income is required to secure the mortgage you need contact us now!
Capital Fortune are a blessing…I feel like I’ve got the best rate on the market and a very personable and friendly service.
Reuben, South London, SE27
It is a complex area and they tell us, they just want the overall best mortgage but appreciate the risks in being declined by a lender. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why many lenders may not consider their individual circumstances and they want to ensure when choosing a mortgage they get it right. They may have spoken to a number of brokers without success, before making contact with us.
They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I’ve taken out.
RH, Stanmore
Clients we successfully help in similar situations, typically tell us of their annoyance at the current restrictions on obtaining a mortgage with bonus or commission income. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why the vast majority of lenders will not consider their individual circumstances. They confirm the additional problems they come up against, when they want to rent out the property or want to use the property as their own home. They look to us for help, securing the mortgage on mainstream residential or buy to let rates. They are uncertain where to begin and look for appropriate guidance to obtain the available deals in the market.
As you would expect with an award winning company, all our finance is arranged through fully authorised, regulated mortgage lenders, whom can offer Capital Fortune, exclusive products and rates.
We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London
As a comprehensive panel of lenders broker in this area, we know our lenders and lending criteria. Importantly, we appreciate the ambiguities and difficulties in this area of UK lending and work to provide an appropriate solution. We regularly assist clients with mainstream and complex finance and we are UK specialists for clients who receive bonus or commission income.
We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best Broker Prime and Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards and British Mortgage Awards respectively.
There are three stages to our award winning process:
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 of what they are looking to do, undertake detailed research on the potential rates, confirm we can safely assist and importantly, express how we operate.
2
Approval in Principle
This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone to fully assess needs and requirements. Once complete, we undertake research across a comprehensive panel of lenders to recommend the right mortgage. A detailed illustration is provided which we will take you through. If you are happy with the illustration we will then request documents from you to support the application. On receipt of the documents we will obtain formal approval in principle from the lender.
3
Mortgage Application
We will apply for the mortgage on your behalf, submit the necessary documentation and liaise with the lender to obtain your mortgage offer.
We still appreciate however, we are not right for everyone and typically we best assist clients
With non-standard/non-traditional requirements;
That are time pressed and need the most competitive and quick results; or
That just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through all the complexities within the mortgage process.
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.
For help and assistance, call us today on 0207 710 0400 to speak to one of our Mortgage Advisers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Rates are updated daily and can be withdrawn at anytime without notice by lenders.”
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 Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Remortgage
By: David Wilson-Webb
Very helpful and kept us informed every step of the way.always prepared to listen....
For service - Mortgage to assist with: REASON_REMORTGAGE
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