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Flats Above Commercial

Up to 95% LTV

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Trusted Lenders

Interest Only & Repayment

Above Take-Aways, Restaurants, Shops & Offices

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Get competitive rate mortgages

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Flats Above Commercial

I never believed you could get me a mortgage above a fried chicken shop at 90%. No-one else could.
MB, London
In the current climate, it is a challenge to source competitive mortgage finance for flats above commercial premises. This is particularly so, above, restaurants, supermarkets, an off licence, pubs, offices, hairdressers, launderettes and drycleaners. Typically, clients who use our service tell us they have spoken to a number of brokers, but are unable to find a mortgage lender. They usually say they are frustrated because the property is well situated, can be purchased at a good price, would make a good home or a sound investment.

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Thanks guys, that was complicated situation…..a holiday let, above an Italian and an office. That truly was great work!
JW, Eastbourne
We can potentially assist with both residential and buy to let mortgages above any type of commercial property. All properties are considered on a bespoke basis. The location of the flat is a central consideration and local amenities, such as good schools, transport links, leisure and shopping facilities, play an important part for underwriters and valuers. We can normally present a case to them, securing agreement in principle quickly.

Our mortgage service is based not only on knowing all the mainstream UK lender’s criteria but also on our ability to access bespoke mortgages for non standard and unusual situations.

I highly recommend Capital Fortune. My property was above a Thai and the rate was below 4% - and exceptional service from David!
James, Hackney
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.

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:

1Indicative 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.
2Approval 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.
3Full 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.

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
20 days ago

Find out current Rates

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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