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Mortgages with Complex Income
It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too.
Joe Crosby, Golders Green Typically, clients we successfully assist who have complex incomes such as trust income, investment income, bonuses, commisson, maintenance, benefit and income from multiple sources or jobs tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance.
Often they express their frustration in finding an appropriate lender, given many deem their income as unpredictable, not guaranteed or non standard. They see the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers but are unsure whether the lenders will accept the full amount of their income or understand their income structure.
Capital Fortune are a blessing...I feel like I’ve got the best rate on the market and a very personable and friendly service.
Reuben, South London, SE27 They usually know there are a wide range of products available, but may be concerned by all the additional charges made by lenders, increasing the overall costs on a mortgage deal. They more often than not, have undertaken their own detailed homework but are sometimes left unsure how to conclude their mortgage search. Clients we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether the structure of their income qualifies them for a specific deal. They are aware that Different lenders have a variety of policies relating to how they categorise income and base their decision on whether it is discretionary, performance related, contractual, guaranteed for life etc. Views on this type of income vary between lenders, mortgage type, industry, the length as well as the history of payment
It is a complex area and they tell us, they just want the overall best mortgage but appreciate the risks in being declined by a lender. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why many lenders may not consider their individual circumstances and they want to ensure when choosing a mortgage they get it right. They may have spoken to a number of brokers without success, before making contact with us.
They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I've taken out.
RH, Stanmore Clients we successfully help in similar situations, typically tell us of their annoyance at the current restrictions on obtaining a mortgage with complex income. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why the vast majority of lenders will not consider their individual circumstances. They confirm the additional problems they come up against, when they want to rent out the property or want to use the property as their own home. They look to us for help, securing the mortgage on mainstream residential or buy to let rates. They are uncertain where to begin and look for appropriate guidance to obtain the available deals in the market.
As you would expect with an award winning company, all our finance is arranged through fully authorised, regulated mortgage lenders, whom can offer Capital Fortune, exclusive products and rates.
We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London As a comprehensive panel of lenders broker in this area, we know our lenders and lending criteria. Importantly, we appreciate the ambiguities and difficulties in this area of UK lending and work to provide an appropriate solution. We regularly assist clients with mainstream and complex finance and we are UK specialists in arranging mortgages for clients with non standard requirements.
We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best Broker Prime and Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards and British Mortgage Awards respectively.
There are three stages to our award winning process:
1 | Indicative Rate |
Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility of what they are looking to do, undertake detailed research on the potential rates, confirm we can safely assist and importantly, express how we operate. | |
2 | Approval in Principle |
This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone to fully assess needs and requirements. Once complete, we undertake research across a comprehensive panel of lenders to recommend the right mortgage. A detailed illustration is provided which we will take you through. If you are happy with the illustration we will then request documents from you to support the application. On receipt of the documents we will obtain formal approval in principle from the lender. | |
3 | Full Application |
We will process your full mortgage application and liaise directly with the lender on your behalf. We organise the valuation and deal with any issues that may arise during the mortgage application. |
We still appreciate however, we are not right for everyone and typically we best assist clients
- With non-standard/non-traditional requirements;
- That are time pressed and need the most competitive and quick results; or
- That just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through all the complexities within the mortgage process.
We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with Financial Conduct Authority (FCA) guidelines and best practice.
For help and assistance, call us today on 0207 710 0400 to speak to one of our Mortgage Advisers.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.
In assessing your requirements, we do not use credit scoring and we can provide an accurate estimate of the amount of borrowing and the viability of your requirements, without effecting your credit score.
We avoid credit searches at the initial stages given that numerous credit searches will impact your ability to access cheap credit. It is clear that too many credit applications in a short period of time will impact your score and whilst it is important to shop around, formal applications for a mortgage can trigger rejections, as it gives the impression you may be desperate for credit. It is essential when making enquiries for any financial product, that the Company does not credit score you, until such time as you have agreed to make a formal application.
We can indicate your chances of approval prior to any application being made and where necessary, can obtain decisions in principle from lenders who do not use credit scoring.
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