Up to 95% LTV

Above Commercial

No Minimum Size

Multi-Storey Considered

Short Lease & Freehold Flats


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Flat Mortgages

Typically, clients we successfully assist with unusual flats 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 due to the size of the property, its location, the length of lease, the height of the floor which is situated or the fact it is situated above or near commercial premises. They are usually aware of the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers. They have seen the wide array of products and rates but are concerned that the vast majority of providers will not accept this type of property. They usually have undertaken their own detailed homework but are sometimes left unsure how to conclude their mortgage search.

Flat living is very throughout the UK and unusual flats can provide a good home either to reside or to rent out. Mortgages on unusual flats do remain available in the market. In order to help we will need to be clear on the exact size of the flat, its location and the availability of other amenities such as shops and transport links. In addition, we will also need to know whether it is in a residential or a commercial block, the length of the remaining lease and a host of other factors.

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 flat they own or wish to buy, qualifies for a specific deal. They 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 the property 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 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 a request a call back online, 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 appreciate 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
  • - Who just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through the complexities within the mortgage process.

“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.

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