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and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
John Coker - Purchase
Capital Fortune were extremely efficient at every stage of the process, from first contact all the way through to completion. Without their support, I ...Read More

Life Insurance

For most people getting a mortgage is probably the biggest financial commitment you’ll ever make, which is why we advise our clients to consider taking out some form of protection insurance in case things don’t go quite according to plan.

There are different types of insurance that will cover you for different things but typically, people take out a life insurance policy when they get their first mortgage.

There are different types of life insurance and depending on the level of cover you want, they will be more or less expensive.

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What Our Customers Say

Kim Macgreevy - Remortgage
Excellent ...Read More
11 days ago

Muhammad Tayyab Bashir - Purchase
They are very good . I tried somewhere else but refused . Capital fortune did in one week and I get my mortgage offer . Peter Bartlett and Alex Fryday dealt with my case . Very efficient and friendly. Always there when you need ...Read More
12 days ago

Rosemary Cole - Buy to Let Remortgage
Very efficient and knowledgable. Will certainly recommend to others. ...Read More
17 days ago

Gurdeb Mangat - Buy to Let Remortgage
I have found Capital Fortune efficient and quick in their dealings with me and the loan has been swiftly paid to me. Stephen Marsh and James Drury have been really helpful in dealing with my case/ ...Read More
19 days ago

Find out more

Term Assurance

This is the simplest form of life cover and it’s usually linked to the mortgage. This means you pay a monthly premium, or payment, to your insurer and in return they agree that if you need to claim, they will pay off the remainder of your mortgage if you die.

This is known as decreasing term assurance as the amount that you’re insuring goes down over the lifetime of the policy because you are paying off the mortgage, so there’s less to repay by the insurer the closer you get to the end of your mortgage term.

It’s difference from ordinary life insurance because, in the event you die before you have repaid your mortgage, the insurer will only repay your mortgage. There will not be any additional money paid out to your surviving partner or family to help cover other costs.

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Life Cover

Some people opt to take out a more comprehensive life insurance policy when they get their mortgage – or even sometimes before or after. This type of policy isn’t linked to the debt outstanding on your home but promises to pay out on your death an agreed sum which is usually bigger than the mortgage.

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This money can then be used to repay whatever debts remain after you die or other expenses your beneficiaries may need to cover, such as funeral costs.

It’s important to note that this type of cover only pays out when you die – unless you take a policy that includes terms and conditions that allow you to access some of the money if you’re diagnosed with a terminal disease for example.

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It’s also a single lump sum payment. For this reason, it’s advisable to put the policy into a trust, something we can do for you. This ringfences the payment from the rest of your estate when you die, meaning your family won’t pay inheritance tax on it and the insurer can release the money to them.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%Discount2 years 5%4.56%2 years £0
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMar-20215.69%4.8%31-Mar-2021 £999
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedMar-20215.69%4.8%31-Mar-2021 £1999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Skipton BS 2 Year Tracker £995 Fee SBS1.41%Tracker2 years 4.99%4.3% £995
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
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.

Best Discounted Rates

LenderRateType
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.37%
then 4.99
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%
then 5.69
(variable)
FixedRead More
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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