Temp Mortgages

Temp Mortgages

Temp Mortgages - are simply mortgages for Short term contractors who work and reside in the UK. In the current climate, lenders are cautious regarding the remuneration packages paid to short term contractors and have shown reluctance in underwriting these cases given concerns around the stability and security of employment in this sector.

This coupled with the changes to rule IR35 and the ambiguities around whether a contractor is technically employed or self employed, be it by a Company or a recruitment agency have caused us to deem Mortgages for Short term contractors a specialist area within Capital Fortune.

In light of the way many short term contractors are remunerated, we are able to package their cases appropriately and we are experts in placing them on the most suitable product, with the most suitable lender.

As well as mainstream lenders, we will look at financing your short term contract mortgage through a range of private banking both in the UK, through the Channel Islands as well as looking, if necessary, at bespoke international mortgage solutions.

At Capital Fortune, we understand the challenges faced by those on a short term contract We particularly understand the remuneration structure of Short term contracts and we can work closely with your contracting Company, Agency and accountants to obtain the best deal.

We have worked with a number of short term contractors working for multi-national banks such as Credit Suisse and HSBC, as well as Short term contractors in media, telecoms, and ecommerce. Many of which will be more than happy to give a testimonial to our bespoke services.

Our ability to contact senior underwriters on your behalf is also useful if you have changed address or had a number of short term contracts during the last 6 years as whilst unusual for other professions, it is not for Short term contracts who may have moved from institution, Companies or between agencies.

As a Short term contractor seeking a mortgage you will receive our premier service.

We understand the pressures of the profession and understand that when arranging a mortgage deal our short term contractors want to be sure in the knowledge that their mortgage will not only save them money, but also save them time and inconvenience.

All Short term contractors, as part of or our Capital Fortune premier service can be dealt with over the telephone or visited at home or work. We will strive to take the difficulty and time element out of the mortgage application.

We will obtain all the necessary documentation from you after our first discussion and will avoid cascading you with a range of further information during the internet mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

For more information on our Mortgages for Short term contractors, call us today on 020 77 100 400 or Enquiry Online.

How to get in touch

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Residential - Purchase - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 4.99%4.4%APRC2 years £214980%
Product Code: K22
Product Name: 2 Year Discount £1999 Fee Purchase
Lender Code: BMO
Lender Name: Monmouthshire BS
Initial Pay Rate: 0.99
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.99
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 459.23
Monthly Payment After Initial Period: 691.01
Fees Total: 2539.00
True Cost: 0.00
True Cost Over Initial Period: 11561.52
Cashback: 0.00
Valuation Fee: 240.00
Arrangement Fee: 1999.00
Booking Fee: 150.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 250.00
Lender Product Reference: D229
Detail
Leeds BS 2 Year Fixed £2199 Fee Larger Loan BLH1.19%FixedMar-20205.69%4.8%APRC31-Mar-2020 £219960%
Product Code: 002XL2
Product Name: 2 Year Fixed £2199 Fee Larger Loan
Lender Code: BLH
Lender Name: Leeds BS
Initial Pay Rate: 1.19
Mortgage Class: Fixed
Initial Rate Period: Mar-2020
Initial Rate Period Months: 25
Standard Variable Rate: 5.69
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 31-Mar-2020
Early Repayment Charge Period Sort Field: 1442
Initial Monthly Payment: 462.78
Monthly Payment After Initial Period: 718.51
Fees Total: 2433.00
True Cost: 0.00
True Cost Over Initial Period: 13967.50
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 2199.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 199.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 120.00
Lender Product Reference: 19661
Detail
Progressive BS 2 Year Discount No Fee Purchase BPG1.22%Discount2 years 4.75%4.28%APRC2 years £060%
Product Code: 37N
Product Name: 2 Year Discount No Fee Purchase
Lender Code: BPG
Lender Name: Progressive BS
Initial Pay Rate: 1.22
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.28
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 464.30
Monthly Payment After Initial Period: 665.91
Fees Total: 170.00
True Cost: 0.00
True Cost Over Initial Period: 11313.20
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 85.00
Deeds Release Fee: 85.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 117.50
Detail
Barclays Bank 2 Year Tracker £1999 Fee Purchase No ERC BWO1.24%Tracker2 years 3.99%3.6%APRC £199960%
Product Code: 001D4T
Product Name: 2 Year Tracker £1999 Fee Purchase No ERC
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 473.16
Monthly Payment After Initial Period: 629.41
Fees Total: 2114.00
True Cost: 0.00
True Cost Over Initial Period: 11470.84
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AR50
Detail
Platform Intermediary 2 Year Tracker £999 Fee CTS1.24%Tracker2 years 4.74%4.3%APRC2 years £99960%
Product Code: 0023CB
Product Name: Intermediary 2 Year Tracker £999 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.74
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 469.28
Monthly Payment After Initial Period: 670.94
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 11422.72
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M1288
Detail
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.24%Discount2 years 5.54%4.8%APRC2 years £99975%
Product Code: 002BU2
Product Name: 2 Year Discount £999 Fee (Scottish)
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.54
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 722.84
Fees Total: 1434.00
True Cost: 0.00
True Cost Over Initial Period: 11679.64
Cashback: 0.00
Valuation Fee: 270.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 120.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: DS303
Detail
Furness BS 2 Year Discount £999 Fee BFU1.24%Discount2 years 5.54%4.8%APRC2 years £99975%
Product Code: 002BU3
Product Name: 2 Year Discount £999 Fee
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.54
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 722.84
Fees Total: 1434.00
True Cost: 0.00
True Cost Over Initial Period: 11679.64
Cashback: 0.00
Valuation Fee: 270.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 120.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: DS303
Detail
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%APRC2 years £189565%
Product Code: S83
Product Name: 2 Year Discount £1895 Fee
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.28
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 475.00
Monthly Payment After Initial Period: 676.79
Fees Total: 2365.00
True Cost: 0.00
True Cost Over Initial Period: 11870.00
Cashback: 0.00
Valuation Fee: 245.00
Arrangement Fee: 1895.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 117.50
Detail
Santander UK Plc 2 Year Fixed £999 Fee (Scottish) CAN1.29%FixedMay-20203.75%3.3%APRC02-May-2020 £99960%
Product Code: 001EC0
Product Name: 2 Year Fixed £999 Fee (Scottish)
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.29
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.75
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 02-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 472.07
Monthly Payment After Initial Period: 608.96
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 12533.82
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MC47R / MC47V
Detail
Santander UK Plc 2 Year Fixed £999 Fee CAN1.29%FixedMay-20203.75%3.3%APRC02-May-2020 £99960%
Product Code: 001EC1
Product Name: 2 Year Fixed £999 Fee
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.29
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.75
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 02-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 472.07
Monthly Payment After Initial Period: 608.96
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 12533.82
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: MC47R / MC47V
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.