• D Types
  • S Types
  • C Types
  • I Types

  • award winning

    Whole of Market
    London Based
    Specialist Brokers

  • PEACE OF MIND

    The Right Mortgage
    The Right Rate
    The Right Lender
    The Right Time

  • WE FULLY RESEARCH

    Do the Homework
    Indepth Knowledge
    Product Expertise
    Analysing Detail

  • WE WORK FOR YOU

    Researching the Market
    Providing Solutions
    Securing the Rate
    Liaising with Lenders

Introducer Registration Form

 

Registration Form
 
 
 
 

London Mortgage Brokers Capital Fortune

London Mortgage Brokers Capital Fortune are award winning whole of market mortgage brokers based in the City of London. We offer finance on UK residential and Buy To Let mortgages and a suite of bespoke insurance products, both for individuals, families and companies. As a mortgage broker, we are not tied to any one lender such as a High Street bank and are able to search suitable and affordable funding, nationally available.

Typically, we best assist clients with none standard requirements and those we successfully help, generally face difficulty in the mortgage market, requiring expert guidance from a nationally recognised, mortgage broker team. As expected, we offer all the 'standard' mainstream products most mortgage advisers offer, but more importantly, we place cases of a complex and specialist nature such as those with difficult income streams, unusual properties, foreign nationals, UK ex pats, British forces overseas, foreign diplomats, contractors, the self employed and more mature clients seeking pensioner mortgages.

Clients we successfully work with, regularly tell us they appreciate us not only finding them the right financial deal, but actually securing the right product. The promise of a mortgage to us is not the same as actually delivering a formal mortgage offer in the exact same terms.  In a nutshell, that’s where we differ at Capital Fortune. Our promise is our guarantee and many of our client testimonials confirm our ability to help.

We have an established reputation for under-promising and over-delivering and your Capital Fortune mortgage brokers will be regularly on hand, not just through the process, but afterwards, sometimes, when you may need your mortgage broker most.

We have long term relationships with nearly all the major UK lenders and have built strong trusted connections with underwriters at both a local and national level. Many of the individual underwriters, prove the key to the success of each case and whilst advertised lending criteria is made available, the discretion of an underwriter is more often paramount. Our national mortgage search, using advanced tools, unlike any used by comparision sites, will include the High Street, but also considers an array of local, regional lending providers and a number of private banks both here in the UK and offshore.

We seek to ensure the best possible results for those who choose to use us.

We appreciate we are not right for everyone and clients we successfully work with appreciate not everyone is right for us to help. There are a range of other mortgage brokers in the UK but we hope that on searching through our mortgage website, viewing our transparency, which provides a number of potential products and rates, that you will obtain a clear sense of how we operate and how we will look to  assist you obtain the most affordable and suitable deal.

Our mortgages are here for all to see and if general information is all you need, we wish you well. However, if you need the assistance of our broker team, you know we are here to help.

We hope you enjoy the website.

Best Value Mortgages Tool

News

40% of Landlords Increase Rents 22 May 2013

Four in 10 landlords increased their rents in the last year and just 7% have lowered them. The rent report, compiled by research agency BDRC Continental and property consultancy Allsop LLP, interviewed 1,536 landlords in England and Wales in the six months to March 2013.

Read more...

Landlords Receive Highest Level of Rents Since November 21 May 2013

Rents in April increased to the highest level since November 2012, the latest Buy-to-Let Index from LSL Property Services has revealed. The average rent in England and Wales has risen by 0.2% since March, to £736 per month.

Read more...

Have Lenders Misinterpreted Interest Only Rules? 20 May 2013

The Financial Conduct Authority has warned lenders not to pull out of interest-only mortgages as they remain an important sector.

In its annual 2013 risk outlook the regulator said it was concerned that lenders had begun to reduce their offering of interest-only deals.

In the last decade the number of interest-only mortgages grew to nearly three million in total and covering huge swathes of the country.

The FCA has branded the growth a “ticking time bomb” because of concerns borrowers were only paying off the interest and not the capital.

Many could be left owing hundreds of thousands of pounds still to pay at the end of a 25 year mortgage term.

It sparked fears of misselling as it became clear that some borrowers did not know they were only paying the interest.

In response the FCA unveiled tough new rules demanding that all interest-only borrowers have in place a repayment method for the mortgage.

It also sector in depth and found no evidence of widespread misselling and only a handful of cases where borrowers did not know they had to repay the loan.

The tough talk and new rule spooked lenders and there has been a massive exodus form interest-only with many leaving altogether and others cutting back significantly.

But interest-only has a place for people with uneven pay-checks, for example. On instance of this is bonus or commission payments for City workers.

In a tough new environment for interest-only such workers on bonuses should turn to City mortgages brokers.

What to do?

A City worker who earns a basic salary may want to repay the minimum monthly amount and then add big payments when the bonus money arrives.

But the pendulum has swung too far and the exit of major lenders from this space making options more limited for workers with uneven wages to get the right mortgage for them.

The FCA has told lenders to stay in this area but without an explicit re-assuracne against future misselling claims it is unlikely they will return any time soon.

Interest-only has got a bad name now and its image has begun to move into that of a dodgy financial product.

The only way to really scour the interest-only market is to speak to an independent, qualified mortgage broker.

Brokers know who has appetite to lend in interest-only and who does not and can save you hours of searching for the right people.

In addition misselling fears mean lenders are keen to sell interest-only deals so borrowers are fully advised and informed on what they are getting themselves into.

It means some of the best deals are only available through brokers as lenders see them as too risky to be sold through a non-advised process.

For City workers with bonus payments, the ability to secure a flexible mortgage can save thousands of pounds as well as retaining easy access to cash.

Speaking to a broker is one of the best of ways of ensuring that the more limited interest-only and flexible mortgage market is still available to you.

House Price Affordability for Keyworkers Improving 18 May 2013

The ability of key public sector workers to purchase their own home continues to improve and is approaching the level achieved 10 years ago before the house price boom Halifax research shows.

Read more...

Large Mortgage Loans Going Mainstream At Halifax 17 May 2013

Halifax has cut rates on a range of two year products on their range of loans above £1m.

Read more...