Unlimited Gifts

Concessionary Sales

Below Market Value

No Deposit Required

Family, Friends, Builders & Landlord Gifts


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Gifted Deposit Mortgages

Typically, clients we successfully assist using a gifted deposit from a family member or friend, tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. Often they express their frustration in finding the most appropriate lender who will accept the deposit, given the thousands of mortgages advertised nationally, the array of different comparison websites, direct lender deals and all the numerous brokers. They usually have seen some of the products which are available but are confused by the lender’s criteria when it is not clear whether they will accept a deposit not built up from own resources. They may also be concerned when trying to compare interest rates, at all the additional charges made by lenders for arrangement fees, valuation and other charges, increasing the overall costs on any mortgage deal. They usually have undertaken their own detailed homework but are sometimes left unsure how to conclude their mortgage search.

Clients we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether they qualify for a specific deal. They may have a relatively modest deposit, require an income stretch, may have missed a payment on previous credit or a loan or have moved addresses lowering their credit rating or score. They may be living with friends or parents and have no utility bills in their name or may just feel overwhelmed by the jargon and terminology and want an independent helping hand.

They always want the overall best mortgage based on their needs and requirements but appreciate the risks in being declined by a lender and may find it difficult to understand why many lenders may not consider their individual circumstances. They just want to ensure when choosing a mortgage they get it right and have often spoken to a number of brokers or lenders 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 on our ability to access available private banking and bespoke lending solutions. Such lenders can often provide more competitive deals for buyers and are willing to take a more holistic approach to the finance rather than just relying on computers to make lending decisions.

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

As a comprehensive panel of lenders national broker regularly dealing with gifted deposits, 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 applicants 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 make contact using our 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

For help and assistance with a first time buyer enquiry, call us today on 020 3 216 2037 to speak to one of our Mortgage Advisers.

STEP 1: Online Enquiry

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