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

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.


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.


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

Parents over 60 looking to buy with Daughter

on Thursday, 28 April 2016 08:04.

My wife and I are 63 and my Daughter is 33. We would like to sell our property with an equity of around £200k, which we would use as a deposit on a property of around £400. Are we able to get a three way joint mortgage over say 20-25 years? Thanks Reg

10% deposit with a Debt management plan

on Tuesday, 26 April 2016 12:56.

I've seen a property for £87,000. I have a 10% deposit and I have been in debt management plan which will be finished in 16 months. I have no debts and earn £3200 per month. Can you get me a mortgage? Lee

Primary School Teacher abroad looking to buy UK property

on Saturday, 23 April 2016 14:19.

Hello, I am a primary school teacher that is currently teaching internationally in order to save money for a deposit for a property in London. I have a sizeable deposit now of 60k and I am interested in buying a property with the view of living in it when I return to London in the next 2-3 years. I am 33 years old with no debts outstanding. What are my options? I would appreciate any info or help possible. Thank you. Shannon.

Interest Only To Repayment with Defaults

on Monday, 18 April 2016 22:56.

I am currently on an interest only mortgage due to redundancy 6 years ago. When I wanted to go back onto repayment we were told we didn't qualify, so been stuck on interest only.

I have Credit card debt of £60k and a secured loan of 35k. There are 11 defaults, no CCJs never arrears on mortgage or utilities. I've used the loan to partially full and final settle some of the credit cards so there is £25k remaining. My existing mortgage is £136000 and the house is valued at £320000 joint income of £54000 ages 49 and 53.can we get a repayment mortgage for 170k to consolidate mortgage and loan debt over 15 years.