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Lending into Retirement Mortgages
No Maximum Age
Interest Only & Repayment
Mortgages for up to 40 Years
Retirement Interest Only
Earned and Pension Income
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
Lending into Retirement Mortgages
Capital Fortune are experts in helping clients with mortgage lending into retirement.
Along with helping clients who are already retired, we assist clients who are currently working but wish to borrow past their retirement age. This could be an employee in their mid 50s or a company director in their late 60s taking out a mortgage for over 25 years.
We often speak to clients who are frustrated due to mortgage lenders maximum age or have been offered a lower than expected mortgage amount. They may have been a customer with their bank for years, however have received a ‘computer says no,’ type response.
They are often surprised that given their healthy deposit or significant equity, they are still hitting a barrier due to their age.
Capital Fortune appreciate the ambiguities and difficulties with lending into retirement mortgages and take a much more holistic approach. We work with lenders who do not have a maximum age and will look at each application individually. We can offer bespoke mortgages, which can be adapted to your current and future requirements.
The lenders we work with will consider multiple streams of income, including employed or self employed, pension projections, pension pots (SIPPs,) and rental income into retirement.
If you are a looking for a mortgage into retirement, contact us today!
At age 74 the mortgage must have been difficult, but it went through more smoothly than any other mortgage.
Rex Harris, Edgware
There remains however a good number of long established lenders willing to provide competitive rates to more mature borrowers, deeming them to be a far lower lending risk.
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. Some are specifically designed for those aged over 50 and looking to borrow into their retirement.
After 47 years with my Bank they let me down when I needed them most. You said you could do it and you did.
JB, Lincolnshire
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.
They get the job done, know their stuff, and do it on time.
By: Paul Pavlou
They did what they said they were going to do and got the job done in a timely fashion.
These are th....
For service - Mortgage to assist with: REASON_BTL_REMORTGAGE
