Capital Home Loans – UK Mortgage Lender
Capital Home Loans only offers mortgages through intermediaries. The company dos not deal directly with the public.
Buy To Let Mortgages: a range of mortgages available for the purchase of rental property; 2 year fixed rate and 2 year discounted rate tracker mortgages.
Self-Certification Mortgages: mortgages where borrowers state their income but do not provide corroborating evidence; often used by self-employed people with insufficient evidence of their earnings; 3 year fixed rate and 1 year discount and lifetime tracker mortgages.
As Capital Homes Loans only offers mortgages through financial intermediaries and brokers, this means that borrowers have to obtain mortgages with this company through their independent advisor.
There are basic offerings including those for self-certification borrowers and sub prime borrowers. One of the options that Capital Home Loans offers is a mortgage aimed specifically for properties with refurbishment needs. This allows borrowers to obtain a loan on the unimproved property pending further renovation; once the property has been renovated a further amount of cash can be forwarded, depending on the expected rental income of the property if it is a buy to let investment.
Capital Homes Loans operates through a range of regional development business managers who are able to understand the local issues as well as being able to pull on the national strength of this big player. There are set valuation fees, depending on the actual value of the property, thus allowing borrowers to budget accurately for their mortgage application.