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Short Lease Mortgages

Short lease mortgages are a specialist area of mortgage finance. Typically, clients we successfully assist tell us of the difficulty they have experienced in trying to arrange a competitive mortgage on a restrictive lease. Often they express their frustration in finding an appropriate lender, given the type of property, location and when the amount of years left on the lease is relatively short. Purchasing a property through a mortgage where the freehold is held by a separate party and requires a negotiation to extend the lease later has its own complications and often clients are a little unsure how to start their search.

Our short lease mortgage service is based not only on knowing UK lender’s criteria but also our ability to access available private banking and bespoke lending solutions. Such lenders will often take a more holistic approach to the short lease and will look at the mortgage as more than a standard transactional deal, seeing real value when the lease is extended.

This makes short lease mortgages a specialist area of the wider mortgage market. The ease or difficulty in obtaining access to a range of short lease mortgages depends on the ability to extend the current lease or the cost of buying out the freeholder. Short lease properties are more prevalent in central London than elsewhere in the country and the right mortgage broker with access to finance and detailed knowledge of the London property is often important to clients.

“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 we find those seeking short leasehold mortgages have more specialised finance needs and we are able to provide personalised advice on the appropriate lenders to meet those needs. We generally find that these types of mortgage applications often require a greater degree of negotiation with national lenders, the underwriters, their panel surveyors and property valuers. Clients we successfully assist, also appreciate there is a limitation on the number of providers in this specialist market and understand the fact that many do not openly advertise their available products direct to customers.

“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

Clients we help in similar situations, typically tell us of their annoyance at the current restrictions on obtaining a mortgage with an impaired or short lease. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why the vast majority of lenders will not consider their individual circumstances.

They confirm the additional problems they come up against, when they want to rent out the property or want to use the property as their own home. They often look to us for help, securing the mortgage on mainstream residential or Buy to Let products and not on expensive commercial rates. They are uncertain where to begin and look for appropriate guidance to obtain the available deals right across the UK market.

They may have spoken to a number of brokers without success, before making contact with us.

“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 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 the UK specialists in short lease mortgages.

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.

For help and assistance, speak to one of our Mortgage Advisers call us today on 020 77 100 400.

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