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

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?

My wife and I moved abroad and are now looking for a UK base for holidays - is this possible?

on Tuesday, 04 March 2014 12:58.

Good morning.

I've experienced significant difficulty looking for the right mortgage, as I'm looking to take out a residential mortgage in the UK, however my family and I live in Singapore.

We moved out of the UK 5 years ago and sold our house shortly after. We return to see family most school holidays and are getting frustrated staying with friends or paying for expensive hotels. Although I've seen buy to let options, would it be possible to take out a mortgage just to use on our holidays? Eventually we would like to live in the property full-time when we retire and subsequently come back to the UK.


I'm 73 years old and am looking to extend my interest only mortgage. Can you help?

on Monday, 03 March 2014 11:59.

Good afternoon,

I'm hoping you can help. Our interest only mortgage term ends in a few months and my bank, who I've never missed a payment with all my life, have refused to help simply because of my age.

Me and my wife are 73 years old and live in a large 5 bedroom detached house. We have over £300,000 equity and it's always been our plan to downsize, but would like a few more years to start looking at properties.

Are there any options?

I am earning overseas while my wife and family live in the UK

on Thursday, 27 February 2014 19:13.

Good afternoon,

I have encountered difficulty with my bank as I look to obtain a mortgage. I have had an offer accepted on a property, however, as I work in Dubai I have been unable to obtain a suitable mortgage.

My wife lives in the UK and my children are educated in the UK, however, as I am the income earner and paid in Dirhams, my existing bank have stated that my income can not be taken into consideration as I do not pay UK tax. I am in a good job, on a good income and will be earning a lot more than if I was in a similar position back in the UK.

Is this the case with all banks or is there a solution out there?

Can We Remortgage if Living Abroad?

on Monday, 24 February 2014 15:22.

My family and I have recently emigrated.

We own a house and are currently renting it out via an estate agent. The house is valued at approximately 550k, the mortgage is 130k. We are currently on a variable rate with a leading building society but would like a fixed rate mortgage for between 3 - 5 years. The building society we are with do not have package that suit our needs.

My question is, can we remortgage if we are living abroad?


I live and work in Australia - can I get a mortgage on my London property?

on Tuesday, 11 February 2014 14:20.

Can I get a mortgage if I live and work in Australia?

I have a property in London which is rented out, however my existing lender has said they are going to increase my interest rate as I am overseas.

What are my options?

I am aged 60 and looking for a 25 year mortgage - what options do I have?

on Wednesday, 29 January 2014 00:54.

Hello, I do wonder if you can help.

My husband and I are aged 60 and need a very small mortgage of £50,000 to purchase a property near to our daughter. We have sold our main house which is just too big for us. We will have a deposit of £200,000. I have spoken to my own Bank and they have told me they cannot lend beyond age 75.

Is there anything you can do?