Flats Above Commercial

Thanks guys, that was complicated situation…..a holiday let, above an Italian and an office. That truly was great work! JW, Eastbourne

We can potentially assist with both residential and buy to let mortgages above any type of commercial property. All properties are considered on a bespoke basis. The location of the flat is a central consideration and local amenities, such as good schools, transport links, leisure and shopping facilities, play an important part for underwriters and valuers. We can normally present a case to them, securing agreement in principle quickly. Our mortgage service is based not only on knowing all the mainstream UK lender’s criteria but also on our ability to access bespoke mortgages for non standard and unusual situations.

I highly recommend Capital Fortune. My property was above a Thai and the rate was below 4% – and exceptional service from David! James, Hackney

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. 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 in arranging mortgages for clients with non standard requirements. 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.