Flats Above Commercial

Up to 95% LTV

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Trusted Lenders

Interest Only & Repayment

Above Take-Aways, Restaurants,
Shops & Offices

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Flats Above Commercial

I never believed you could get me a mortgage above a fried chicken shop at 90%. No-one else could.
MB, London
In the current climate, it is a challenge to source competitive mortgage finance for flats above commercial premises. This is particularly so, above, restaurants, supermarkets, an off licence, pubs, offices, hairdressers, launderettes and drycleaners. Typically, clients who use our service tell us they have spoken to a number of brokers, but are unable to find a mortgage lender. They usually say they are frustrated because the property is well situated, can be purchased at a good price, would make a good home or a sound investment.

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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 Full Application
We will process your full mortgage application and liaise directly with the lender on your behalf. We organise the valuation and deal with any issues that may arise during the mortgage application.

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.

Find out current best rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Clydesdale Bank Intermediary 2 Year Discount £1449 Fee CLY0.99%DiscountSep-20204.95%4.3%2 years £1449
Nottingham BS Intermediary 2 Year Discount £1999 Fee BNT0.99%Discount2 years 5.49%5% £1999
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 4.99%4.4%2 years £2149
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%Discount2 years 4.75%4.3%2 years £0
Accord Intermediary 2 Year Discount £1495 Fee ACC1.09%DiscountSep-20204.99%4.4% £1495
Barclays Bank 2 Year Tracker £1999 Fee Purchase Wealth BWO1.19%Tracker2 years 3.99%3.6% £1999
Leeds BS 2 Year Tracker £999 Fee BLH1.19%TrackerJun-20205.69%4.8%30-Jun-2020 £999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Nationwide BS 2 Year Tracker £999 Fee BNW1.19%Tracker2 years 3.99%3.5% £999
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.