Capital Fortune is a national and
award winning mortgage, buy-to-let
and insurance broker.

Call today to speak to an expert

020 77 100 400

REQUEST A CALLBACK
Image
As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback96%
Customer - Buy to Let Remortgage
As a UK ex-pat I was looking to raise capital via a mortgage on a property I own in England. Unfortunately, it appears that ...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.

Image

What Our Customers Say

Customer - Remortgage
Capital Fortune delivered the mortgage that they said they thought they could provide for me, despite my age . They answered all my questions and were always helpful and quick . ...Read More
1 months, 22 hours ago

Customer - Purchase
I had quite a difficult case, - self employed but with no accounts and had tried and failed to get a mortgage with 3 other brokers. However Capital Fortune seemed at the outset to be more familiar and understanding with my ...Read More
1 months, 3 days ago

Margaret O'Leary - Buy to Let Remortgage
The whole process was handled with expertise. The service was amazing. Peter Bartlett and Alex Fryday were my consultants during the mortgage process. ...Read More
1 months, 4 days ago

Gary Towlson - Remortgage
From start to finish, all members of the team on our case, have supported, sympathised, advised and guided us with nothing short of true professionalism. Even when we were hit with legal barriers and potential showstoppers, Capital Fortune were on ...Read More
1 months, 6 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.

Image

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.

Image

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.

Image

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
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.29%Discount2 years 5.79%5.2%2 years £999
Furness BS 2 Year Discount £999 Fee BFU1.29%Discount2 years 5.79%5.2%2 years £999
NatWest Intermediary 2 Year Tracker £995 Fee Purchase £250 Cashback CNW1.34%TrackerOct-20214.24%3.9%31-Oct-2021 £995
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerAug-20215.69%4.8%31-Aug-2021 £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.39%FixedJul-20214.99%4.1%31-Jul-2021 £995
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £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
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.29%
then 5.79
(variable)
DiscountRead More
Furness BS 2 Year Discount £999 Fee BFU1.29%
then 5.79
(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
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.39%
then 4.24
(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?

No Sale, No Fee, Fixed Price

Low Cost, National Coverage

Instant Online Quotes