Houses

Home Mortgage

Home Mortgage

Home Mortgage -

If you need any assistance why not speak to one of our Mortgage Advisers by calling020 77 100 400 or Enquiry Online.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Home Mortgages

Home Mortgages - Home mortgages are mortgages designed for a residential home within the UK. Although the home mortgages market has cooled since the credit crunch and subsequent recession, lending conditions have improved to an extent. There are a huge variety of home mortgages available from both mainstream and niche lenders. Whilst a mainstream home mortgages lender will suit most borrowers best, niche providers may offer products for unusual circumstances, such for properties with very short leases.

Home mortgages are generally available on a range of interest rates and conditions. There is not a single, most cost effective home mortgages deal on the market and much of the expertise in our brokerage team is directed towards ensuring that we select a mortgage that is suitable for our client’s individual circumstances. For instance, those looking to budget effectively can enjoy flat interest rates from fixed rate home mortgages. Discount home mortgages may suit first time buyers who would benefit from extra capital at the beginning of their mortgage term to undertake home improvement or pay off debts.

Our home mortgages advisory service is personalised to meet the varying needs and requirements of our clients. We offer bespoke assistance and specialise in matching the right rate from the right lender to the right client. As a comprehensive panel of lenders mortgage broker, we are not tied to any one lender of home mortgages and offer impartial advice.

We have an experienced team of advisers who have substantial knowledge of the approach various lenders take to applicants. This enables us to recommend home mortgages that are suitable and affordable for you. We offer home mortgages from a comprehensive panel of lenders and from time to time have exclusive deals available.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call us or contact us online today for expert home mortgages advice and assistance.

House Mortgages

House Mortgages - House mortgages are widely available for individuals wishing to purchase a new house. House mortgages may be on a residential, buy to let or specialist basis, depending on the structure and intended usage of the house. Mortgages may be relatively simple or considerably difficult to find in light of this.

As scores of lenders offer house mortgages, many offer special deals with low headline rates. However, these headline rates may not be the most cost effective packages for the consumer. Hidden fees and charges, in addition to other terms and conditions may render a mortgage much less cost effective than it initially may appear. At Capital Fortune, we understand the specifics of mortgage deals and are able to isolate the most cost effective house mortgages for our clients.

Our advisers at Capital Fortune are in contact with a range of lenders from our comprehensive panel base. Due to this, we are able to access packages which are not available on the open market, some of which may be more cost effective than offers from mainstream lenders. We offer an impartial and personalised service to our clients. This enables us to find house mortgages which are not only affordable, but that are appropriate to our clients’ needs.

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

House Share Mortgages

House Share Mortgages - are available to borrowers who wish to share and own their own home with fellow house sharers. House share mortgages will take into account the income of all the house sharers making this is a useful and innovative method for house sharers to own a share of their property.

Friends and family members can apply for a house share mortgage and through the concept of joint ownership each person on the mortgage holds a stake in the property.

At Capital  Fortune, we know our lenders and we know their criteria. We will be able to guide you as a group through the house share mortgage process.

The key principle of any house share mortgage is that the loan is provided by the mortgage lender on the basis that all the house sharing borrowers are jointly and severally liable for the whole of the mortgage debt. In doing so, the lender will make the offer of mortgage on the basis of the joint incomes of all applicants, but how those mortgage payments are divided is entirely up to the borrowers to determine as a group.

The issue of what share of the property each borrower owns again can be decided with the help of your solicitor and such factors as income, monthly contribution and the deposit used for the purchase may all be factors in determining individual shares.

Specialist Finance Advice for House Sharers

At Capital  Fortune we are specialists in giving impartial mortgage advice to house sharers. We understand your requirements when obtaining mortgages and we also understand some of the pitfalls.

We will be able to discuss with you all the reasons for purchasing with other house sharers and will give you advice on the most suitable and affordable finance options for the purchase.

We are able to arrange house share mortgage with a number of UK mortgage lenders but often these types of application require a significant degree of liaison with the lenders, solicitors and the valuers.

At Capital  Fortune, we work with a number of lenders willing to offer house share mortgage products.

To discuss house share mortgages call us today on 020 77 100 400 or Enquire Online.

Mortgages For House

Mortgages For House - Mortgages for house are mortgages available to individuals seeking to purchase a house. A borrower’s income as well as the size, location and length of lease on the house can influence your chance of obtaining a mortgages for house package. Mortgages for house lenders may assess ones income, other sources of finance or evidence of career progression to ascertain a products affordability. In determining the loan to value lending ratio, some lenders may take the size and location of the house into account as this can determine the value of the house. In addition to this, the length of lease may affect some mortgages for house lenders willingness to assist borrowers as houses with short leases can depreciate affecting its marketability. Therefore borrowers seeking mortgages for house packages need to be aware of a range of factors before commencing an application.

As an established mortgage brokerage firm, we understand that various factors can influence a mortgages for house lender’s decision to offer solutions to clients. As part of our professional service, we can assist and advice on the most suitable and affordable, mortgages for house deals with a lender whose criteria you meet. Our advisers have the knowledge and experience to help you navigate the packages on the market and ensure you secure the best deal. We search a comprehensive panel of lenders to find the most competitive rate to suit your specific circumstances. Our advisers have built up strong relationships with many leading mortgage providers and their underwriters, allowing us access to rates which may not be found on the high street. This leaves us in a position to obtain the optimum result for you.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Need mortgages for house advice? Call one of our specialist advisers today.

Mortgages House

Mortgages House - Mortgages house deals can be obtained when purchasing a house. Individuals may require mortgages house when purchasing a first house, a holiday house, or a house for letting purposes. As such, lenders offering mortgages house deals may often have different lending criteria depending on the primary use of the house.

A first time buyer purchasing a house may be assessed on current income and evidence of career progression by mortgages house lenders. Clients purchasing a second home may be assessed on their ability to cover monthly mortgage payments on both properties. Those wishing to purchase a buy to let house are normally required to prove to providers of mortgages house packages that potential rental income can cover at least 125% of mortgage payments. With varying requirements for different mortgages house products, specialist advice may be required to secure a mortgage. This is where we can assist.

Our mortgages house advisory team understand that knowing which lenders criteria you meet can be complex so our experienced professionals can do all the necessary work for you. With years of experience in arranging mortgages house deals for clients we have gained substantial knowledge of our lenders criteria. To properly assist you, we will thoroughly assess you situation to ascertain your needs and requirements. Based on this, we will match you with the most cost effective mortgages house lender at the time of your application. Your dedicated broker will be on hand to offer constant guidance and advice throughout your application and beyond.

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If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

To speak to one of our mortgages house advisers, call us today. We look forward to taking your call.

How to get in touch

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Residential - Purchase - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Progressive BS 2 Year Discount No Fee Purchase BPG1.22%Discount2 years 4.75%4.28%APRC2 years £060%
Product Code: 37N
Product Name: 2 Year Discount No Fee Purchase
Lender Code: BPG
Lender Name: Progressive BS
Initial Pay Rate: 1.22
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.28
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.30
Monthly Payment After Initial Period: 665.91
Fees Total: 170.00
True Cost: 0.00
True Cost Over Initial Period: 11313.20
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 85.00
Deeds Release Fee: 85.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 117.50
Detail
Barclays Bank 2 Year Tracker £1999 Fee Purchase No ERC BWO1.24%Tracker2 years 3.99%3.6%APRC £199960%
Product Code: 001D4T
Product Name: 2 Year Tracker £1999 Fee Purchase No ERC
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 473.16
Monthly Payment After Initial Period: 629.41
Fees Total: 2114.00
True Cost: 0.00
True Cost Over Initial Period: 11470.84
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AR50
Detail
Platform Intermediary 2 Year Tracker £999 Fee CTS1.24%Tracker2 years 4.74%4.3%APRC2 years £99960%
Product Code: 0023CB
Product Name: Intermediary 2 Year Tracker £999 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.74
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 469.28
Monthly Payment After Initial Period: 670.94
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 11422.72
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M1244
Detail
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.24%Discount2 years 5.54%4.8%APRC2 years £99975%
Product Code: 002BU2
Product Name: 2 Year Discount £999 Fee (Scottish)
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.54
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 722.84
Fees Total: 1434.00
True Cost: 0.00
True Cost Over Initial Period: 11679.64
Cashback: 0.00
Valuation Fee: 270.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 120.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: DS303
Detail
Furness BS 2 Year Discount £999 Fee BFU1.24%Discount2 years 5.54%4.8%APRC2 years £99975%
Product Code: 002BU3
Product Name: 2 Year Discount £999 Fee
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.54
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 722.84
Fees Total: 1434.00
True Cost: 0.00
True Cost Over Initial Period: 11679.64
Cashback: 0.00
Valuation Fee: 270.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 120.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: DS303
Detail
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%APRC2 years £189565%
Product Code: S83
Product Name: 2 Year Discount £1895 Fee
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.28
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 475.00
Monthly Payment After Initial Period: 676.79
Fees Total: 2365.00
True Cost: 0.00
True Cost Over Initial Period: 11870.00
Cashback: 0.00
Valuation Fee: 245.00
Arrangement Fee: 1895.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 117.50
Detail
Santander UK Plc 2 Year Fixed £999 Fee (Scottish) CAN1.29%FixedApr-20204.74%4.1%APRC02-Apr-2020 £99960%
Product Code: 001EC0
Product Name: 2 Year Fixed £999 Fee (Scottish)
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.29
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 02-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 472.07
Monthly Payment After Initial Period: 669.01
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 13005.89
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MC30R / MC30V
Detail
Santander UK Plc 2 Year Fixed £999 Fee CAN1.29%FixedApr-20204.74%4.1%APRC02-Apr-2020 £99960%
Product Code: 001EC1
Product Name: 2 Year Fixed £999 Fee
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.29
Mortgage Class: Fixed
Initial Rate Period: Apr-2020
Initial Rate Period Months: 27
Standard Variable Rate: 4.74
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 02-Apr-2020
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 472.07
Monthly Payment After Initial Period: 669.01
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 13005.89
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MC30R / MC30V
Detail
Saffron BS 3MC 2 Year Discount No Fee BSA1.29%Discount2 years 5.39%3.9%APRC2 years £060%
Product Code: 001SNV
Product Name: 3MC 2 Year Discount No Fee
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.29
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 468.31
Monthly Payment After Initial Period: 644.05
Fees Total: 510.00
True Cost: 0.00
True Cost Over Initial Period: 11714.44
Cashback: 0.00
Valuation Fee: 395.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0602
Detail
Saffron BS ATOM 2 Year Discount No Fee BSA1.29%Discount2 years 5.39%3.9%APRC2 years £060%
Product Code: 001SNW
Product Name: ATOM 2 Year Discount No Fee
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.29
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 468.31
Monthly Payment After Initial Period: 644.05
Fees Total: 510.00
True Cost: 0.00
True Cost Over Initial Period: 11714.44
Cashback: 0.00
Valuation Fee: 395.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0602
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

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. To confirm details and availability of any product please click the “Do I Qualify” button.