Mortgages for Self Employed

Mortgages For Self Employed

CapitalFortune is a bespoke mortgage broker based in the City of London specializing in securing mortgages for the self employed.

Typically, our clients realize that with the current credit crunch, there is a greater reluctance with many lenders to agree self employed mortgages.

They understand the market concerns around the stability, sustainability and security of self employment in the current climate. They appreciate there can be caution exercised by lenders when it comes to an assessment of their remuneration package, including gross and net profits which often do not demonstrate the true earnings potential of the business.

     It was quite an easy decision to make.the run of the mill mortgage brokers really werent 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

We regularly help clients in these situations and are UK specialists in this area. Our Advisers will take you through all the options available and can guide you through the process. Call us on our main low call national number or request a call back online, using the general enquiry form or call back request.

     They arranged a remortgage for us. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage Ive taken out. RH, Stanmore

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 UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards 2011.

Clients making contact with us in similar situations, typically tell us of their frustration at the current restrictions for those who are self employed. They usually have an appropriate income to support the mortgage and have a healthy deposit for a purchase or equity for a remortgage. They do not understand why there are lenders who will not consider their individual circumstances.

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

Our role is to ensure you meet the mortgage lenders criteria and our provisional assessment will be based on the affordability of your mortgage payments and your self employment history. Our Advisers will quickly tell you, whether you qualify for any of the schemes. Call us today on 020 77 100 400 for a provisional assessment on whether you qualify and whether we are right to help.

     What I believe is so special is that they really care about peopleDalia, Hampstead

We understand the difficulties for those who are self employed and our ability to contact senior underwriters to discuss you particular case with them directly, allows us to save you time, money and disappointment. We will immediately know what lenders are likely to accept your situation and which lender will agree our application. To discuss the options, simply call us or request a call back online, whatever suits you best.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

     Capital Fortune are a blessing..I feel like Ive got the best rate on the market and a very personable and friendly serviceReuben, South London, SE27

For assistance on our Self Employed Mortgages, call us today on 020 77 100 400 or Enquiry Online.

How to get in touch

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Residential - Purchase - Best Self Employed Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
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: 1437
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
Coventry BS Offset 2 Year Fixed £999 Fee BCV1.49%FixedDec-20194.49%4.1%APRC31-Dec-2019 £99965%
Product Code: 6PO
Product Name: Offset 2 Year Fixed £999 Fee
Lender Code: BCV
Lender Name: Coventry BS
Initial Pay Rate: 1.49
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 483.35
Monthly Payment After Initial Period: 655.37
Fees Total: 1132.00
True Cost: 0.00
True Cost Over Initial Period: 12700.10
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 8
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 125.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 117.43
Lender Product Reference: OFN37
Detail
Scottish Widows Bank Professional 2 Year Fixed £1499 Fee Purchase BAA1.54%FixedFeb-20203.74%3.5%APRC29-Feb-2020 £149960%
Product Code: 345
Product Name: Professional 2 Year Fixed £1499 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.54
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 28
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 488.31
Monthly Payment After Initial Period: 611.57
Fees Total: 1974.00
True Cost: 0.00
True Cost Over Initial Period: 14122.68
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: P2417
Detail
Beverley BS 2 Year Discount £995 Fee Purchase BBV1.58%Discount2 years 4.75%4.3%APRC2 years £99575%
Product Code: 1AO
Product Name: 2 Year Discount £995 Fee Purchase
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.58
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 488.46
Monthly Payment After Initial Period: 673.58
Fees Total: 1465.00
True Cost: 0.00
True Cost Over Initial Period: 12193.04
Cashback: 0.00
Valuation Fee: 245.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
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
Accord Intermediary Offset 2 Year Fixed £995 Fee ACC1.62%FixedDec-20195.34%4.8%APRC31-Dec-2019 £99565%
Product Code: 00169G
Product Name: Intermediary Offset 2 Year Fixed £995 Fee
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 1.62
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 26
Standard Variable Rate: 5.34
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 490.75
Monthly Payment After Initial Period: 710.32
Fees Total: 1115.00
True Cost: 0.00
True Cost Over Initial Period: 12879.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 3000000.00
Legal Fee: 117.50
Lender Product Reference: 46506
Detail
Scottish Widows Bank Professional 2 Year Fixed £999 Fee Purchase BAA1.64%FixedFeb-20203.74%3.5%APRC29-Feb-2020 £99960%
Product Code: 477
Product Name: Professional 2 Year Fixed £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.64
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 28
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 492.02
Monthly Payment After Initial Period: 609.68
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 14226.56
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: P2413
Detail
Scottish Widows Bank Flexible 2 Year Fixed £1499 Fee Purchase BAA1.64%FixedFeb-20203.74%3.5%APRC29-Feb-2020 £149960%
Product Code: F32
Product Name: Flexible 2 Year Fixed £1499 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.64
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 28
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 494.05
Monthly Payment After Initial Period: 612.20
Fees Total: 1974.00
True Cost: 0.00
True Cost Over Initial Period: 14283.40
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: F2607
Detail
Scottish Widows Bank Flexible 2 Year Fixed £999 Fee Purchase BAA1.74%FixedFeb-20203.74%3.5%APRC29-Feb-2020 £99960%
Product Code: 341
Product Name: Flexible 2 Year Fixed £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.74
Mortgage Class: Fixed
Initial Rate Period: Feb-2020
Initial Rate Period Months: 28
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 29-Feb-2020
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 497.78
Monthly Payment After Initial Period: 610.29
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 14387.84
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: F2603
Detail
Scottish Widows Bank Professional 2 Year Tracker £999 Fee Purchase BAA1.79%Tracker2 years 3.74%3.6%APRC2 years £99960%
Product Code: Z67
Product Name: Professional 2 Year Tracker £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.79
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.6
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 500.68
Monthly Payment After Initial Period: 612.17
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 12466.32
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: PD414
Detail
Scottish Widows Bank Flexible 2 Year Tracker £999 Fee Purchase BAA1.89%Tracker2 years 3.74%3.6%APRC2 years £99960%
Product Code: 764
Product Name: Flexible 2 Year Tracker £999 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.89
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.6
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 506.51
Monthly Payment After Initial Period: 612.69
Fees Total: 1474.00
True Cost: 0.00
True Cost Over Initial Period: 12606.24
Cashback: 0.00
Valuation Fee: 255.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 175.00
Lender Product Reference: FD216
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: Yes 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.