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Mortgage Difficulties or Applications Declined

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Credit Issues Considered

Non Standard Income

Unusual Properties

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Mortgage Difficulties or Applications Declined

I had nearly 3 years of missed mortgage payments and you still helped. I am so grateful.
Jeremy, London

Capital Fortune assist many customers who have encountered mortgage difficulties or have had applications declined. 

Customers we assist often tell us they are frustrated that although they have a very good mortgage/rent track record, they are finding it difficult to get a mortgage simply because of their situation

They often tell us they have been declined by their bank for a range of reasons including:

Their income

Their credit history

Their residency/currency they are paid in

Their age

The property failing the mortgage valuation

We specialise in helping customers with non standard requirements. Our expert team have a strong track record of successfully helping and look at each customer on a case by case basis

Whatever your situation, we may be able to assist. We work with both mainstream and specialist mortgage lenders who all specialise in different scenarios. 

If you have had mortgage difficulties or an application declined contact us today!

The Bank said no, given the County Court Judgment, but you delivered totally
EC, Hampshire
They may have spoken to a number of brokers without success, before making contact with us.

A lot of people who contact us tell us that they have had their mortgage application declined due to personal financial circumstances, residency status or that they are looking to raise capital or remortgage on an unusual property. They typically tell us they are frustrated that the Banks can’t help them or are simply confused as to whether they can get a mortgage at all. Here at Capital Fortune we 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 help over the phone.

I don’t work, my husband is a contractor and it’s an Old Post Office. You got us a really good mortgage, Thank You.
Mrs N. Hudson, Canterbury
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 arranging mortgages for clients with non standard requirements.

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:

1Indicative 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.
2Approval 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.
3Full 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.

Read all 1575 reviewsOur customers have
rated our service
An organisation who helps to realise your dreams!
The remarkable online feedback for Capital Fortune depicts strong story which otherwise is hard to believe until you start doing business with them. I engaged Capital Fortune for my mortgage matter and my journey throughout has been incredible. Whilst the entire organisation is extremely professional and friendly, I will like to call out special thanks to. ...Read More
Amit Parab - Purchase


What our customers say

Stress Free freedom..
The whole process was made easy and painless from start to finish. I felt safe and comfortable in their hands and would highly recommend. Both James and Stephen handled everything for me with professionalism, courtesy and humour... Big thanks to ...Read More
Michelle Cannon - Resi
3 days ago

Exceptional service
Stephen Marsh, was exceptionally helpful and guided us through the application process. Would highly recommend ...Read More
Daniel Hall - Remo
4 days ago

Great team and service
Team were very responsive and provided excellent service and communication throughout ...Read More
Matt C - Buy to let remortgage
7 days ago

Find out current Rates


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 of Part Commercial & Buy to Let mortgages are not regulated.

Quick Decisions with No Credit Scoring

In assessing your requirements, we do not use credit scoring and we can provide an accurate estimate of the amount of borrowing and the viability of your requirements, without effecting your credit score.

We avoid credit searches at the initial stages given that numerous credit searches will impact your ability to access cheap credit. It is clear that too many credit applications in a short period of time will impact your score and whilst it is important to shop around, formal applications for a mortgage can trigger rejections, as it gives the impression you may be desperate for credit. It is essential when making enquiries for any financial product, that the Company does not credit score you, until such time as you have agreed to make a formal application.

We can indicate your chances of approval prior to any application being made and where necessary, can obtain decisions in principle from lenders who do not use credit scoring.


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