Personal Mortgage Guidance Built Around Your Circumstances
Capital Advice helps first-time buyers, homeowners and property investors understand their mortgage options with clear explanations, personal service and support throughout the mortgage process.
Mortgage Decisions Explained Clearly
Our approach starts with understanding your circumstances and what you want to achieve before discussing the mortgage route that may be relevant to you.
About Capital Advice
Capital Advice provides personal mortgage guidance for people at different stages of their property journey. Our focus is on making the mortgage process easier to understand, with clear explanations and support from the first conversation through to the application process.
Whether you are buying your first home, reviewing an existing mortgage, purchasing a rental property or considering a let-to-buy arrangement, we take time to understand your circumstances before discussing the mortgage options relevant to you.
How We Approach Mortgage Advice
Our service is built around three straightforward principles.
Understand First
We begin by understanding your circumstances, property plans and what you want the mortgage to help you achieve.
Explain Clearly
Mortgage options, lender requirements and important considerations are explained in straightforward language.
Support Throughout
If you decide to proceed, we help with the mortgage application and keep you informed as it progresses.
The Mortgage Services We Provide
Capital Advice currently focuses on four core mortgage routes.
First-Time Buyer Mortgages
Guidance on deposits, affordability and the steps involved in buying your first home.
First-Time Buyer AdviceRemortgage Advice
Review your current mortgage and understand the options relevant to your circumstances.
Explore RemortgagingBuy-to-Let Mortgages
Mortgage guidance for landlords buying or reviewing finance on a rental property.
Buy-to-Let AdviceLet-to-Buy Mortgages
Guidance when moving home while keeping your existing property to rent.
Let-to-Buy AdviceWhat Working With Capital Advice Looks Like
A simple four-step approach designed to keep the mortgage process clear.
Initial Conversation
We discuss your circumstances, property plans and what you want to achieve.
Research & Assessment
We review the mortgage options and lender criteria relevant to the information you provide.
Recommendation
We explain the recommended route, key features and important considerations before you decide how to proceed.
Application Support
If you decide to proceed, we help with the application and keep you updated as it progresses.
Meet Rakesh Chandarana
Rakesh provides personalised mortgage guidance to first-time buyers, homeowners and property investors. His role is to understand your circumstances, explain the mortgage options relevant to you and support you through the mortgage process.
Regulatory Reassurance
Capital Advice is a trading style of Orchard Financial Solutions Ltd. Orchard Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority, FCA No. 623905.
Orchard Financial Solutions Ltd undertake home finance, credit broking and debt counselling, and are not a lender.
Important Mortgage Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
The regulatory treatment of some buy-to-let and let-to-buy lending can depend on the circumstances. We will explain the position relevant to the mortgage arrangements being considered.
Ready to Talk About Your Mortgage Plans?
Start with a conversation about your circumstances and what you want to achieve.