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Mortgages for Professionals

Newly Self Employed

Holistic Underwriting

UK & Foreign Nationals

Income Stretch Based on Potential

Locum and Fixed Term Contracts

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Mortgages for Professionals

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, professional clients we successfully assist tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. They know that a number of lenders may be unfamiliar with the remuneration and banding structure of their profession particularly for those working in the private sector either employed or on a new or fixed term contract. They advise us of the added complexities when there is a combination of both employed and self-employed work and look to us for an appropriate solution. Professionals requiring mortgages need to satisfy the mortgage lender that the loan is affordable, however, often they may need to rely upon both their employed income with their significant pay deductions and/or may need to rely on their private self-employed income. In these cases, gross earnings receipts, particularly when working under contract or invoicing, may result in gross income being significantly higher than their net package and to consider net income alone becomes unfair.

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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
Often professionals we help, express their frustration in finding an appropriate lender who fully understands their requirements or their occupation within their industry. They have usually undertaken their own detailed homework and are aware of the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers all stating they are best to help. They usually have seen the wide array of products and rates, but are concerned by all the additional charges made by lenders, increasing the overall costs on any mortgage deal. They usually have undertaken their own analysis of products but may need a little assistance and are sometimes left unsure how to conclude their mortgage search. Professionals we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether they simply qualify for a specific deal. They just want the overall best mortgage but appreciate the risks in being declined by a lender. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why many lenders may not consider their individual circumstances and they want to ensure when choosing a mortgage they get it absolutely right. They may have spoken to a number of brokers without success, before making contact with us.

We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London
We deal with a number of professionals including those who are both employed and self- employed. Many have indicated to us that they would be happy to provide personal testimonials to our service, so feel free to ask your adviser to be put in contact. We have made mortgages for professionals a specialist area within the Company and as a professional obtaining a mortgage you will receive our premier service. Our professional mortgage advice is based not only on knowing all the mainstream UK lender’s criteria but also our ability to access available private banking and bespoke lending solutions. Such lenders can often provide more competitive deals and are willing to take a more holistic approach to the finance rather than just relying on computers to make lending decisions.

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:

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.

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Read all 174 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

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What our customers say

I recommend the Team at Capital Fortune,
Recently had problems getting excepted for remortgage due to working overseas and payed in USD so contacted The Team at Capital Fortune.Who were absolotely fantastic threw out the progress during our re-mortgage application, helping in every way possible, looking ...Read More
Kevin Philip - Remortgage
3 days ago

Seemless, professional but user friendly. I felt in good hands from the very start. ...Read More
Customer - Purchase
7 days ago

Knowledgeable, efficient and helpful.
Excellent service and extremely useful to us. They accessed much better deals (and larger loans) than we were able to find on our own, and the fees we paid them were more than outweighed by the money saved in terms ...Read More
Customer - Purchase
12 days ago

Find out current best rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 5.24%4.4%2 years £2149
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%2 years £1895
Leeds BS 2 Year Tracker £999 Fee BLH1.32%TrackerOct-20205.69%4.8%31-Oct-2020 £999
Accord Intermediary 2 Year Discount £1495 Fee ACC1.34%DiscountFeb-20214.99%4.2% £1495
Skipton BS Intermediary Exclusive 2 Year Fixed £1995 Fee SBS1.38%FixedOct-20204.99%4.5%31-Oct-2020 £1995
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedDec-20205.69%4.9%31-Dec-2020 £1999
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%Discount2 years 5%4.58%2 years £0
Skipton BS 2 Year Tracker £995 Fee SBS1.42%Tracker2 years 4.99%4.3% £995
Barclays Bank 2 Year Tracker £1999 Fee Purchase Wealth BWO1.44%Tracker2 years 4.24%3.8% £1999
TSB Intermediary 2 Year Fixed £995 Fee Purchase TSB1.44%FixedNov-20204.24%3.9%30-Nov-2020 £995
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.
Instant 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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Best Discounted Rates

LenderRateType
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%
then 5.24
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £1495 Fee YBS1.17%
then 4.99
(variable)
DiscountRead More
Beverley BS 2 Year Discount £1895 Fee BBV1.28%
then 4.75
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Yorkshire Building Society Direct 2 Year Fixed £1495 Fee YBS1.38%
then 4.99
(variable)
FixedRead More
Skipton BS Intermediary Exclusive 2 Year Fixed £1995 Fee SBS1.38%
then 4.99
(variable)
FixedRead More
HSBC Direct 2 Year Fixed £1499 Fee C/A Premier Standard HSB1.39%
then 4.19
(variable)
FixedRead More
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