Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

Ask the Specialist

Do you have flexible expat mortgages?

on Tuesday, 22 April 2014 15:45.

Hi, I am British national living abroad.

I have a house in the UK which I am selling and then intend buying another property in Central London.

I currently have an HSBC interest only mortgage at 0.6% above bank rate.

I prefer a mortgage which will allow me to make large deposits (over payment) and to be able to withdraw this excess at any stage.

Do you have such products?

Nazmi

Can I get a mortgage with 2 CCJ's on my credit file?

on Thursday, 17 April 2014 20:21.

Hi i was wondering if you could give me some information.

I am looking to purchase my house i am living in now (have lived here 11yrs) and would need a mortgage for approx 80000.

I do have 2 CCJ's which were added on to my credit file recently however one of those is a debt which is 7yrs old....would I still be able to get a mortgage....also would it be easier if i made a joint application with my partner ?

Sarah

We live in America and want to buy a house in UK. Can you help?

on Friday, 04 April 2014 16:19.

We live in America and want to buy a house in UK for when we return to live in a year or so.

We are looking for companies that will give us a mortgage.

We have a UK bank account where mortgage would be paid from.

Can you help?

We are self employed with 2 years accounts. Can we get a mortgage?

on Friday, 04 April 2014 22:18.

We are a husband and wife director team running a very profitable company.

Applied for a mortgage with a National Lender as we are longstanding existing customers with 2 years of accounts. Getting hugely conflicting info from the underwriters and am fed up with them. It's one problem after another to the point of farcical.

It's as if they just don't know what they are doing.

Our LTV is only 47% and we will be homeless in 4 weeks if this doesn't go through.

 

My daughter has moved into the area and her husband is working abroad for a UK company. What kind of mortgage could be offered to them?

on Saturday, 29 March 2014 02:13.

My daughter has moved into the area and her husband is working abroad for a UK company.

She is at home with their young son who attends the local nursery, they are renting and paying council tax.

They wish to buy a house here in the UK with a joint mortgage. The price of the house is £140K.

What kind of mortgage could be offered to them? Lynne.

 

My house is valued at approx £200,000. I owe £40,000. I am 67 years. I need to remortgage to give me time to downsize

on Monday, 31 March 2014 20:05.

My house is valued at approx £200,000. I owe £40,000. I am 67 years. I need to remortgage as I may not be able to downsize in time for the term of my present mortgage . I was led to believe I would be given an extension of three years on interest only. I now find out that they would change it to a repayment mortgage. I need more time and peace of mind. I hope you are able to provide me information on a way forward. Thanks Theresa

My husband and I are currently living in Beijing, China - he works for the FCO

on Thursday, 03 April 2014 14:27.

Hello, my husband and I are currently living in Beijing, China - he works for the FCO, and therefore has diplomatic status, as do I.

We're in the process of buying a house - what are the mortgage implications of our FCO posting?

We return to the UK in six months. Thank you

Isabelle, Beijing, China

 

Can I put my husband on a mortgage with me - he is 70 and still in full time employment and I am 50?

on Wednesday, 12 March 2014 13:19.

Can I put my husband on a mortgage with me?

He is 70 and still in full time employment, I am 50 and currently have a mortgage with my son who wants to come off.

I work full time and I pay the mortgage. My son is on the mortgage in name only.

Is it possible to get a mortgage given I am in the Army - posted in Germany?

on Tuesday, 11 March 2014 13:40.

I am currently in the British army. We have moved around a lot including Germany. I am looking to relocate my wife and child back to Sussex due to work and child care. Can you help? Thank you

Can I Get a Mortgage with a 6 Month Contract History?

on Friday, 07 March 2014 14:07.

I am interested in a mortgage, however I just started contracting last year in August.

Prior to this, my business account was dormant for about 3 years.

Is it possible to get a mortgage with my contracting history?