BONUS & COMMISSION INCOME MORTGAGES

Fast Decisions

Holistic Approach

Up to 6 x Income

Projections Possible

100% Bonus & Commission Allowed

STEP 1

Enquire online

 

STEP 2

Speak to an Advisor

 

STEP 3

Get a Mortgage

 

Bonus & Commission Income Mortgages

Typically, clients we successfully assist who have significant bonus income or commission payments 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 both bonus and commission as unpredictable. 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 bonus or other ancillary income. 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 bonus or commission qualifies them for a specific deal. They are aware that Different lenders have a variety of policies relating to how they categorise bonus and commission and base their decision on whether it is discretionary, performance related or contractual. 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.

“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

Our mortgage advice service is based not only on knowing all the mainstream UK lender’s criteria as it applies to commissions, discretionary and guaranteed bonuses, but also our ability to access available private banking and bespoke lending solutions. Such lenders can often provide more competitive deals and are willing to take a more holistic approach to the finance rather than just relying on computers to make lending decisions.

As a comprehensive panel of lenders national mortgage broker we know our lenders and importantly understand the details of their lending criteria. Importantly, we appreciate the ambiguities and difficulties in obtaining finance and work independently to provide an appropriate solution.

We regularly assist clients with mainstream and more complex financial needs and we are a UK mortgage specialist.

Our Advisers will take you through all the options available and all the relevant fee structures. You can then decide whether we are right for you.  You can call us on our national number or make contact using the general enquiry form or call back request.

“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

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.

“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

 “We are now on our second mortgage with Capital Fortune and recommend them to friends and family.” EHB, London

For help and assistance, call us today on 020 3 216 2037 to speak to one of our Mortgage Advisers.

STEP 1: Online Enquiry

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