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 Typically, clients we successfully assist with guarantor mortgages tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance on the home they wish purchase or remortgage with a guarantor. Often they express their frustration in finding an appropriate lender, given the thousands of mortgages advertised nationally and the restrictions some lenders apply to loans on guarantor mortgages. They are aware of the array of different comparison websites, direct lender deals and all the numerous brokers. They usually have seen some of the products which are available, but are concerned by all the additional charges made by lenders, increasing the overall costs on a mortgage deal. They usually have undertaken their own detailed homework but are sometimes left unsure how to conclude their mortgage search.
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:
|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.|
|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
|0.99%||Discount||2 years||4.99%||4.4%||2 years||£2149|
|0.99%||Discount||2 years||4.75%||4.3%||2 years||£0|
*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.