Mortgages for Professionals

Newly Self Employed

Holistic Underwriting

UK & Foreign Nationals

Income Stretch Based on Potential

Locum and Fixed Term Contracts


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Mortgages for Professionals

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

Typically, professional clients we successfully assist tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. They know that a number of lenders may be unfamiliar with the remuneration and banding structure of their profession particularly for those working in the private sector either employed or on a new or fixed term contract. They advise us of the added complexities when there is a combination of both employed and self-employed work and look to us for an appropriate solution. Professionals requiring mortgages need to satisfy the mortgage lender that the loan is affordable, however, often they may need to rely upon both their employed income with their significant pay deductions and/or may need to rely on their private self-employed income. In these cases, gross earnings receipts, particularly when working under contract or invoicing, may result in gross income being significantly higher than their net package and to consider net income alone becomes unfair.

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