01789201914 enquiries@capc.uk.com

CAPC Mortgage Brokers

CAPC is a specialist mortgage and protection brokerage providing a tailored advisory service, delivered face-to-face, via telephone or email, depending on your preference. At CAPC we have an experienced team of brokers who are able to review thousands of products, ensuring you get the best possible result.

What type of mortgage can we help you with?

Residential Mortgage

Commercial Mortgage

Contact our expert advisers now

Call free from landline or mobile

01789201914

How-To Guides

How to create your dream self-build home

Is it your ultimate dream to one day design and live in a home that you’ve created yourself? But perhaps the thought of going into the unknown is putting you off making it happen? In this article, we’re taking a closer look at the journey of a self-build project…

How to renovate a rental property to reduce further maintenance costs

Buying, renovating and potentially furnishing a property is an expensive process and it’s natural to want to keep costs as low as possible, particularly if you are trying to make a limited amount of capital stretch far. However, as legions of landlords before you have learned…

How to downsize – Top tips for empty nesters

Have you been rattling around your big, old house for quite some time now? If so, downsizing might be the right thing to do. A driving force for many to downsize is an empty nest. If the kids have grown up and moved on, having to look after a big, empty house can become a burden.

Need help deciding if a mortgage broker is right for you?

At CAPC we know buying a new home is a costly business. Aside from the main expense of the house itself, you have extra fees including: stamp duty, arrangement, valuation and mortgage brokers. It is natural to want to keep costs down. However, if you are looking for an efficient, well-informed and successful purchase, advice from a mortgage broker can be invaluable.

What is a mortgage broker and what do they do?

 To put it simply, a qualified mortgage broker is a financial advisor that specialises in mortgages. Their mission is to find a mortgage with the best terms and rates to suit your budget and requirements.

 At CAPC our specialist mortgage broker’s mission is to source you a mortgage that suits both your budget and your lifestyle.

 Our brokers have a wealth of experience in this industry. Additionally, they have access to thousands of mortgage lender’s criteria and rates. This combination allows our brokers to offer you tailored options based on your individual circumstances (including access to private banks for bespoke arrangements).

 To find out what mortgage offers you are eligible for and how much you can borrow, our mortgage brokers will need the following information:

 

  • deposit size
  • monthly repayment preferences
  • interest rates
  • personal information (credit history and outgoings)

 

Importantly, at CAPC you will not incur any costs until the mortgage application stage.

 Usually, buying a home is the most expensive purchase of your lifetime. We can help to make it your most informed.

What are the advantages of using a mortgage broker?

 There are many different factors to consider when selecting a mortgage.
The advantages of using CAPC mortgage brokers are as follows:

 

  • Our mortgage brokers are trained, qualified professionals with extensive knowledge of their field. Much of your time is saved by them comparing the market and helping you with the legalities of purchasing a home.

 

  • Our brokers are best placed to help you with your mortgage buying decision, we provide you with options based on your specific situation to ensure you do not end up with an unsuitable mortgage.

 

  • It is extremely likely using a qualified mortgage broker will save you money. Our mortgage brokers have access to thousands of lender’s rates at our fingertips allowing us to find you the best deals. Generally, the money we save you far outweighs the costs involved.

 

  • Our brokers also have access to private banks, allowing us to provide truly bespoke arrangements, usually used for large mortgages and tricky situations.

 

Overall, in a mortgage market that is increasing in complexity year on year, mortgage brokers can provide clarity. You will receive up-to-date, tailored information to enable you to make a confident decision. A great deal that will be suitable for your budget and lifestyle, saving you money, time and stress in the years to come.

 

 

What to be aware of when getting a mortgage broker?

 Before choosing a mortgage broker please consider:

 

  • mortgage brokers charge a fee for their services. This is not surprising as the mortgage market is constantly evolving – it is costly both on time and finances to keep up to date with all the lender’s criteria to be able to give top quality advice.

 

  • what type of mortgage broker you are dealing with. Some brokers are tied directly to one lender or a group of lenders. They are much more limited in the type of mortgage that they can recommend. Other mortgage brokers including CAPC can compare thousands of lenders, meaning you are far less likely to miss out on the most suitable mortgage deal.

 

  • mortgage brokers require some personal information to be able to supply you with suitable options. At CAPC we aim to provide a tailored funding solution. All the research we do depends on an individual’s specific requirements. We will be open and honest about how your personal information will be used.

 

CAPC is fully transparent with their fees, processes and handling of data. No money is taken until you have chosen whether to advance with a mortgage option. At this stage, you will be made aware of the costs before progressing your application.

 

Summary

 To conclude, Buying a home is usually the most expensive purchase in our lifetimes, so it makes sense to make the most informed decision possible.

 A mortgage broker is a financial advisor that specialises in mortgages. CAPC’s mortgage brokers have access to thousands of lenders enabling them, combined with their specialist knowledge, to present you with suitable options that are not only suitable for your budget, but for your lifestyle as well.

The advantages of choosing a mortgage broker include;

 

  • saving time
  • making the most suitable choice
  • saving money
  • accessing private banks for bespoke deals
  • ensuring your application is processed as quickly as possible.

 

 Before choosing to get advice from a broker be aware of the costs involved, what type of broker you’re dealing with and what information they require before supplying you with a suitable mortgage deal.

 If you’re still undecided about whether CAPC mortgage brokers are the right option for you, check out our testimonials from previous clients or pick up the phone and speak to one of our friendly team completely free of charge.

 

 

 

Mortgage Blogs

The ins and outs of overpayments

Once you’ve settled into your mortgage and have gotten used to your new outgoings, you may find that you have a bit more disposable cash than you first thought. So the next question is: what should you do with the money?

Remortgaging FAQs

Whether you should remortgage or not will depend on your individual circumstances and needs. If you have found a lower interest rate and it’s financially the better option then it might be more suitable for you to remortgage. You also might want to remortgage for the following reasons:

How to create your dream self-build home

Is it your ultimate dream to one day design and live in a home that you’ve created yourself? But perhaps the thought of going into the unknown is putting you off making it happen? In this article, we’re taking a closer look at the journey of a self-build project…

New rules on borrowing for portfolio buy-to-let investors

From the 30th September this year, landlords with four or more buy-to-let properties will have to satisfy different criteria to secure mortgage borrowing, as they will be considered ‘portfolio investors’ under new rules being introduced by the Prudential Regulation Authority.

10 documents every landlord should have to hand

As a landlord, no matter whether you have one property or a large portfolio, it’s important to keep on top of all the paperwork associated with owning the buy to lets. Here are ten key pieces of documentation you should have up to date and to hand:

Advantages of buying a new build

Just like everyone has their own style when it comes to fashion, it’s the same when it comes to houses. Some people prefer period houses that have character and unique features, whereas others might prefer a new build property with a clean, modern look and feel that you can make your own.

How to renovate a rental property to reduce further maintenance costs

Buying, renovating and potentially furnishing a property is an expensive process and it’s natural to want to keep costs as low as possible, particularly if you are trying to make a limited amount of capital stretch far. However, as legions of landlords before you have learned…

How to downsize – Top tips for empty nesters

Have you been rattling around your big, old house for quite some time now? If so, downsizing might be the right thing to do. A driving force for many to downsize is an empty nest. If the kids have grown up and moved on, having to look after a big, empty house can become a burden.

Help to Buy for Homemovers

Many of you may already be aware of the Help to Buy scheme that was introduced back in 2013 that aims to help those struggling to save money get onto the property ladder, or to move home. However, it’s a myth that all Help to Buy schemes are for first-time buyers only.

Contact our expert advisers now

Call free from landline or mobile

01789201914

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.

We use cookies on this website to give you the best experience we can. To find out how to turn off cookies, have a look at our privacy & cookies policy