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Guarantor Mortgages
From 5% Deposit
No Maximum Age
Income/Affordability Boost
Joint Borrower Sole Proprietor
Family & Friend Guarantors
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
Guarantor Mortgages
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 are experts in helping customers with guarantor mortgages.
A lot of customers tell us that although they have an income and deposit, they are struggling to obtain the mortgage amount they require.
We regularly help customer with the following situations:
• They are expecting their income to increase in the future
• Starting their career
• Changing profession
• A recent divorce or separation
• Working reduced hours.
• Already retired and their children or relatives are able to support them.
Clients often share their frustration that lenders seem to have different rules on a guarantor basis and although their situation makes sense, they are struggling to find a suitable solution. This could be down to the age of the guarantors or the income sources the lender accept.
They further tell us that many lenders have strict rules in regard to their profession, career progression or minimum deposit requirements. They have often spoken to a number of brokers without success, before speaking to us.
Our guarantor mortgage advice is based on both mainstream UK lender’s criteria, along with our ability to create bespoke mortgages for non-standard and unusual circumstances.
We work with lenders who allow a minimum of a 5% deposit and have no maximum age for the guarantor. They will also allow Joint Borrower Sole Proprietor, which means the guarantor does not need to be on the title deeds of the property.
If you are a looking for a mortgage with a guarantor, contact us today!
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
Clients we help in similar situations, typically tell us that, although they have an income and a deposit or equity in a property, they are struggling to obtain a mortgage for the amount they require. They often tell us this is because they are at the start of their careers with expectations of income increases; as a result of divorce or separation; as a result of a career change; or that they are aged over 60 and their pension income is relatively small. Typically they tell us they are confused as to why lenders seem to have different rules when lending on a guarantor basis compared to a standard mortgage. They are frustrated that, although it makes entire sense to for them to take out a guarantor mortgage, they are finding it difficult to find a lender that will consider a mortgage on this basis given the age of the guarantor or applicant and mortgage amount required.
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
They often ask us to assist in arranging a guarantor mortgage up to 95% of the value of a property, with a lender who will not require the main applicant to have a career progression plan, will consider a guarantor beyond the age of 75 and will not insist the guarantor goes onto the property title deeds. They just want the overall best mortgage based on their needs and requirements but appreciate the risks in being declined by a lender. They may have spoken to a number of brokers without success, before making contact with us. Our guarantor mortgage advice 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.
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 in guarantor mortgages.
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.
Excellent service
Great advice and Peter always go the extra mile to get the right mortgage deal suitable for my needs....
For service - Mortgage to assist with: REASON_BTL_REMORTGAGE
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