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Day One Remortgages

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Buy to Let to 80%

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Day One Remortgages

Day 1 remortgages – or remortgages within 6 months of purchase - are mortgages taken out immediately or soon after the day an initial mortgage has completed. There are a number of reasons why people require day 1 remortgages and these are often due to the original property purchase having been undertaken at below market value due to probate sales, an assignable contract, a repossession or the discounted purchase price paid at auction or through private sale.

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In considering day 1 remortgages it is important to seek professional and impartial information from a suitably qualified adviser and we have deemed Day 1 remortgages a specialist area within Capital Fortune.

Capital Fortune have the knowledge and expertise to place these properties with a number of UK mortgage lenders. However, day 1 remortgage application often require a degree of liaison and negotiation with the lenders and the valuers given the property has only recently been purchased. They also require a degree of liaison with solicitors to ensure the appropriate owner of the property is immediately registered with the Land Registry.

That is where our skills and relationships are essential.

We know our lender's criteria and we often know the underwriters. We will be able to speak directly with the underwriting team to ensure an holistic approach is taken to the lending decision. In many cases involving day 1 remortgage, properties are often sold or inherited well below market valuation and so can provide good long term security to any lender.

Capital Fortune work with a number of specialist and mainstream mortgage providers willing to offer both day 1 mortgages and day 1 remortgages and who offer competitive mortgages on these transactions. We will be happy to take you through all the options.

At Capital Fortune we are specialists in giving impartial mortgage advice. We understand your requirements when purchasing a below market value property, we also understand the pitfalls of Day 1 remortgaging. We will be able to discuss with you all the reasons for purchasing a below market value property and give you advice on the most suitable and affordable Day 1 mortgage options to complete the finance transaction.

To discuss day 1 remortgages or day 1 remortgages call us today on 0207 7 100 400 or Enquiry Online.

Read all 1546 reviewsOur customers have
rated our service
An organisation who helps to realise your dreams!
The remarkable online feedback for Capital Fortune depicts strong story which otherwise is hard to believe until you start doing business with them. I engaged Capital Fortune for my mortgage matter and my journey throughout has been incredible. Whilst the entire organisation is extremely professional and friendly, I will like to call out special thanks to. ...Read More
Amit Parab - Remo

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What our customers say

Excellent service! 10/10
Our mortgage application was managed by James Drury and Stephen Marsh. From the initial call with James through to our subsequent dealings with Stephen, the whole process was very smooth and clear. The dashboard to upload required information was easy. ...Read More
Andy E - Purchase
17 days ago

Superb service
We were guided superbly through the entire mortgage application process by James Drury and Stephen Marsh. We are delighted to have received our mortgage offer. Many thanks. ...Read More
Customer - Purchase
18 days ago

Definitely recommend them.
Great service, very organised and professional with prompt communication and clear explanations. ...Read More
Stuart Wright - Buy to let remortgage
19 days ago

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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.

Quick Decisions with No Credit Scoring

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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