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.
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:
|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.|
|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
|0.99%||Discount||2 years||4.99%||4.4%||2 years||£2149|
|0.99%||Discount||2 years||4.75%||4.3%||2 years||£0|
|1.24%||Tracker||2 years||4.74%||4.3%||2 years||£999|
*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.