Joint Applicant Sole Proprietor Mortgages

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 joint applicant sole proprietor basis compared to a standard mortgage. They are frustrated that, although it makes entire sense to for them to take out a joint applicant sole proprietor mortgage, they are finding it difficult to find a lender that will consider a mortgage on this basis given the age of the joint applicant sole proprietor 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 joint applicant sole proprietor 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 joint applicant sole proprietor beyond the age of 75 and will not insist the joint applicant sole proprietor 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 joint applicant sole proprietor 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 joint applicant sole proprietor 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.