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Student Mortgages
Student Lets
HMO’s and Bedsits
To 90% Loan to Value
Residential and Buy to Let
Interest Only and Repayment
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Student Mortgages
Student Mortgages are mortgages that are taken out in the name of a student in full time higher or further education, either part-time or full time, at a college or university. Student mortgages are regular mortgages, in most cases residential, which – unless the student is deemed to be appropriate to take full financial responsibility for a mortgage by a lender – use a guarantor. In most cases the guarantor for a student mortgage is a parent, but does not have to be.
An advantage of student mortgages is that a capital investment is made in a property while a student is living away from home, where the majority of individuals rent. As renting can be an expensive solution, and provides no capital growth, student mortgages can be both cost-effective and remove the hassle of renting, leaving the student to focus on their studies. Often students live in high concentrations in certain parts of towns and cities, especially while at university, so the time and effort expended in finding a rental property at the right price where demand is high can result in extra stress.
On the other hand, however, student mortgages can become complicated where fellow students live together, especially in cases of joint mortgages where financial responsibility is shared between two students. The right advice on student mortgages is then of high importance before applying.
At Capital Fortune, our specialist team have the expertise to advise you as to whether a student mortgage is the right option for your individual needs. We carry out a detailed fact find for our clients to help ascertain this information and decide whether a student mortgage solution would be right for you. If so, we can help you secure some of the lowest rates on the market through our approach, and make the application as easy as possible for you.
Call our mortgage broker team now on 0207 7 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.
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.
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
Typically we find that clients seeking these types of mortgages have more specialised banking and finance needs and we are able to provide personalised advice on the appropriate lenders to meet those needs. Agricultural tie mortgage applications often require a greater degree of negotiation with national lenders, the underwriters, their panel surveyors and property valuers. Clients we successfully assist, also appreciate there is a limitation on the number of providers in this specialist market and understand the fact that many do not openly advertise their available products direct to customers.
They appreciate that many lenders offering mortgages on agricultural property or those with agricultural restrictions, have a significant number of conditions which must be met, not only on the types of Applicant who can apply. This can include how the Agricultural Tie is drafted and how the premises will be used and in what line of trade or industry.
They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I’ve taken out.
RH, Stanmore
Clients we successfully help in similar situations, typically tell us of their annoyance at the current restrictions on obtaining a mortgage with a restrictive tie. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why the vast majority of lenders will not consider their individual circumstances. They confirm the additional problems they come up against, when they want to rent out the property or want to use the property as their own home. They look to us for help, securing the mortgage on mainstream residential or Buy To Let rates and not on expensive commercial rates. They are uncertain where to begin and look for appropriate guidance to obtain the available deals in the market. They frequently seek to ensure that they do not fall foul of the lenders conditions or invalidate the property insurance given the Tie and who may be living or working within the property. They may have spoken to a number of brokers without success, before making contact with us.
As you would expect with an award winning company, all our finance is arranged through fully authorised, regulated mortgage lenders, whom can offer Capital Fortune, exclusive products and rates.
We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London
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 agricultural tie mortgages
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
Mortgage Application
We will apply for the mortgage on your behalf, submit the necessary documentation and liaise with the lender to obtain your mortgage offer.
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Rates are updated daily and can be withdrawn at anytime without notice by lenders.”
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 Buy to Let mortgages are not regulated by the Financial Conduct Authority.
They get the job done, know their stuff, and do it on time.
By: Paul Pavlou
They did what they said they were going to do and got the job done in a timely fashion.
These are th....
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