Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

Ask the Specialist

Purchase Property with Mother but have a CCJ

on Wednesday, 02 November 2016 12:30.

Hi,

My husband and i are both 52 years old and want to buy a property for about £425,000. My mother is selling her home to move in with us and will be putting in 200k deposit. The problem is my husband only has 2 years accounts and also has a CCJ showing on his credit file, which was satisfied last August, he also has a small default which he is paying off at £20 pm. We also have debts totalling approx £25k but mum said she would clear them and reduce the deposit to £175k Would we be able to get a mortgage ? 

Thanks for your help. 

Amanda

 

Foreign National looking to buy a home

on Monday, 07 November 2016 09:12.

Hello,

I am a Pakistani National, can i get a mortgage to buy a home?

Thanks, Mohsin

Recent County Court Judgements and Defaults

on Tuesday, 18 October 2016 22:13.

Hi,

I have 4 recent CCJs on my credit report and defaults so cannot apply for a mortgage myself at least for the next 3 years (apparently). I was wondering whether there are any other options available to me? My Mum is willing to lend me a 20% deposit and be a guarantor if possible, she owns her home (no mortgage) Other options would be equity from her house or possibly buying her house from her but then because I cannot get a mortgage would she be able to remortgage and me take the debt over? So many questions! Thanks, Stephanie

Non Standard Construction Council Flat

on Wednesday, 12 October 2016 16:37.

Hi,

I am looking to purchase my Council Flat through Haringey Council. The problem is that it's a concrete block building but not a high rise. It's a 2 bedroom second floor flat. Are there lenders out there for that type of property ? I am looking for a 50k mortgage.

I'm hoping that you could help. Maria

Mortgage for Timber Framed House

on Wednesday, 07 September 2016 08:24.

Hello, we live in a timber framed house, no mortgage and wish to remortgage a small amount for home improvements. I have heard some banks/ building societies do not loan on timber framed properties...are you able to help? Clive

Expat in Hong Kong Wanting Mortgage

on Monday, 19 September 2016 09:24.

Hi,

I am a UK citizen but live and work in Hong Kong and I am considering a UK mortgage,this is really at the very earliest stage and I would appreciate some general advice as to the best way forward. James   

Mortgage for Over 80s

on Sunday, 10 July 2016 15:23.

Hi there,

My relation who is 81 has an interest only mortgage. She has only one year to repay the full mortgage back. Is there a possiblity of remortgage. Sue

Non UK Mortgage

on Friday, 03 June 2016 23:56.

Hi, I need to know if myself and fiancee can apply for a mortgage to buy a house in Florida. I am a UK citizen and him a US citizen. Can we use our wages from here in the USA. Thanks Christine. 

 

Discharged from Bankruptcy 2 months ago

on Tuesday, 31 May 2016 18:59.

I have been discharged with my bankruptcy on 22nd april 2016. I have been given a gift from family of £50,000 as a deposit towards a house around for £100,000. Would there be any posibility on gaining a morgage or am i wasting my time at present. I am looking to borrow £50,000. Thank you

Remortgaging with Debt Management Plan

on Friday, 27 May 2016 11:01.

Hi,

We have a debt management plan in place and have so for 2 years. We want to remortgage and possibly move home. We want to clear off debts, paying the debt plan with full and final settlement which is in region of 30k. Our home has been valued at 270,000 and want to buy a bigger home in region of 340,000. We have had a default put on our record about 13 months ago. Many thanks, Emma