Card image
Day One Remortgages

Residential to 95%

Buy to Let to 80%

Interest Only to 75%

Complex Income

Adverse Credit Considered

As Featured
Awards from
Get Guaranteed Lowest Rate Mortgages

Award-winning services

No obligation

Send an Enquiry

Day One Remortgages

Day 1 remortgages – or remortgages within 6 months of purchase - are mortgages taken out immediately or soon after the day an initial mortgage has completed. There are a number of reasons why people require day 1 remortgages and these are often due to the original property purchase having been undertaken at below market value due to probate sales, an assignable contract, a repossession or the discounted purchase price paid at auction or through private sale.

READ MORE

In considering day 1 remortgages it is important to seek professional and impartial information from a suitably qualified adviser and we have deemed Day 1 remortgages a specialist area within Capital Fortune.

Capital Fortune have the knowledge and expertise to place these properties with a number of UK mortgage lenders. However, day 1 remortgage application often require a degree of liaison and negotiation with the lenders and the valuers given the property has only recently been purchased. They also require a degree of liaison with solicitors to ensure the appropriate owner of the property is immediately registered with the Land Registry.

That is where our skills and relationships are essential.

We know our lender's criteria and we often know the underwriters. We will be able to speak directly with the underwriting team to ensure an holistic approach is taken to the lending decision. In many cases involving day 1 remortgage, properties are often sold or inherited well below market valuation and so can provide good long term security to any lender.

Capital Fortune work with a number of specialist and mainstream mortgage providers willing to offer both day 1 mortgages and day 1 remortgages and who offer competitive mortgages on these transactions. We will be happy to take you through all the options.

At Capital Fortune we are specialists in giving impartial mortgage advice. We understand your requirements when purchasing a below market value property, we also understand the pitfalls of Day 1 remortgaging. We will be able to discuss with you all the reasons for purchasing a below market value property and give you advice on the most suitable and affordable Day 1 mortgage options to complete the finance transaction.

To discuss day 1 remortgages or day 1 remortgages call us today on 020 77 100 400 or Enquiry Online.

Feefo logo 96%
Read all 166 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

Image

What our customers say

A top class company that gives you more and more. They are the most professional company outside the Armed Services I have come across. They provide a first class service that others wouldn't give me the time of day. I ...Read More
Christopher West - Purchase
5 days ago

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
6 days ago

Seemless, professional but user friendly. I felt in good hands from the very start. ...Read More
Customer - Purchase
10 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.

 

How Much Can I Borrow?
About Capital Fortune
How Much Can I Borrow?
How Much Can I Borrow?
Stamp Duty Calculator
Mortgage Payment Calculator
Buy to Let Calculator
videopicture.png

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
Image

Get Guaranteed Lowest Rate Mortgages

Award-winning
Mortgage Advisers

Fast Decisions

National Coverage

Holistic Approach

Comprehensive Panel

Direct Access to Underwriters

No Obligation Quote

Send an Enquiry

Did you know we also offer these services?

Conveyancing

Conveyancing

No Sale, No Fee, Fixed Price

Removals

Removals

Low Cost, National Coverage

Surveyors

Surveyors

Instant Online Quotes