Mortgage Application Declined

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Mortgage Application Declined

Have you had a mortgage application declined? A lot of people who contact us tell us that they have had their mortgage application declined due to personal circumstances, residency status or that they are looking to raise or mortgage or remortgage on an unusual property.

We receive a lot of enquiries from people who tell us they are frustrated that their mortgage application has been declined by a lender or that they are simply confused as to whether they could get a mortgage at all.

Here at Capital Fortune we do specialise in assisting clients with unusual circumstances and situations. We may be able to assist you and will be able to give you a quick indication as to whether we can in an initial 10 minute telephone call.

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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
Accord Intermediary 2 Year Discount £1495 Fee ACC0.97%DiscountJul-20204.99%4.4%31-Jul-2020 £1495
Clydesdale Bank Intermediary 2 Year Discount £1449 Fee CLY0.99%DiscountJul-20204.95%4.3%2 years £1449
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%Discount2 years 4.75%4.3%2 years £0
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 4.99%4.4%2 years £2149
Accord Intermediary 2 Year Discount £495 Fee ACC1.19%DiscountJul-20204.99%4.4%31-Jul-2020 £495
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
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers BiR BNW1.19%Tracker2 years 3.99%4% £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.