Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

Mortgage With 6 Late Payments

on 05 January 2017.


I need a mortgage of about £110,000. I work and have a deposit, however, I fear banks will turn me down as I have 6 late payments on my credit file, which is no fault of my own and taking action with it, it need a mortgage in place ASAP, could you help with my matter?


Ask the Specialist response:

Hi Lisa

Thanks for your email.

Depending on the how late the payments were and the size of the payments that were late, we typically assist a number of clients in similar situations to yourself. Unless you are buying under the help to buy equity loan scheme, typically minimum deposits will start between 10-15% of the purchase price, however, this can often vary with many lenders that we work with assessing each client on a bespoke and holistic basis.

If you just wish to obtain an indication on whether we are able to assist you, given your specific circumstances, I'd recommend speaking to one of our Advisers on 02077100400 or send us an enquiry online and one of our Advisers will call you back.

Capital Fortune