Expats

Bank Mortgage Rates UK

Bank Mortgage Rates UK - Bank mortgage rates UK are the available mortgage rates from a number of bank lenders for buy to let or residential property within the UK. Bank mortgage rates UK will vary from lender to lender and the product offered. Furthermore, the available bank mortgage rates in the UK will vary on the prospective borrower’s specific financial circumstances, where different Bank mortgage rates and deals will be offered in recent times. To obtain the most suitable and affordable bank mortgage rates for UK property, specialist assistance may be required. This is where we can assist.

Our expert team can find the most suitable Bank mortgage rates for UK clients at the right rate and the right time. We have built up a number of strong relationships with many Banks in the UK, utilising our contacts to advise on some of the best available Bank mortgage rates UK deals on the market.

We will guide and assist all clients from their initial enquiry until the completion of their application and beyond. We will speedily advise as to which Bank has the most suitable mortgage rates for your circumstances, before completing the necessary documentation required to complete your transaction.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquiry Online.

Looking to obtain the best available Bank mortgage rates? UK clients call us today.

Bank Mortgages

Bank Mortgages - Bank mortgages are mortgages sought by individuals offered by UK, international and private banks. Bank mortgages are available seeking to purchase or remortgage buy to let and residential properties within the UK. It has become more difficult for some individuals to obtain bank mortgages since the credit crunch. To obtain the optimum financial result specialist advice and assistance may be required. This is where we can assist.

Our team offer a personalised and customised service to all clients seeking bank mortgages. Without prejudice, our expert advisers are able to source through a number of the available bank mortgages on the market, finding the deal which suits your individual needs and requirements most.” To “Without prejudice, our expert advisers are able to source through a number of the available bank mortgages from the whole of the market, finding the deal which suits your individual needs and requirements most. In addition, our team have established excellent relationships over a number of years with providers offering bank mortgages.

We understand the difficulties and complexities of the mortgage market and will guide and assist all clients seeking bank mortgages. We ensure to take all clients through the terms and conditions of each of the available bank mortgages we deem suitable for your individual circumstances, completing all the relevant documentation required to secure your transaction.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Bank mortgages can be found through our specialist advisory service. Contact us today.

British Banks and Lenders

British Banks and Lenders - British banks and lenders offer a wide range of mortgage products. In many instances, British banks and lenders are subject to regulation from the Financial Conduct Authority and bound by decisions of the Financial Ombudsman Service. The range of mortgage products available from British banks and lenders, and the rates they offer, are affected by the Bank of England base rate of interest and movements in the wider economy.

Obtaining a mortgage from British banks and lenders as a foreign national can be harder to achieve than for British citizens as lenders require proof of income and other details to assure that mortgage payments can be met. There are no restrictions on individuals from within the European Economic Area (EEA) concerning living and working in the UK, making it comparatively easy for them to gain a mortgage from British banks and lenders. Individuals from outside the EEA are required to have the relevant visa and need to be able to prove their entitlement to stay in the UK for a certain period to apply for lending from British banks and lenders, depending on the requirements of the specific lender.

At Capital Fortune, we have substantial experience finding the right mortgages for foreign nationals from British banks and lenders. Our specialist team have the expertise to advise you on whether your circumstances are appropriate to apply for a mortgage or other lending from British banks and lenders. We take in to consideration your citizenship status and carry out a detailed fact find to make sure we have all the appropriate information before recommending the most suitable product for your requirements. We pledge to help you every step of the way in the application process, filling in all the paperwork to save you time and hassle.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.

British Mortgages

British Mortgages - British mortgages solutions can be found using Capital Fortune's help and advisory service. A British mortgage can be obtained by ex-pats and foreign nationals seeking to obtain a mortgage for their residential or buy to let property within the UK. Capital Fortune offer a customised and bespoke service to clients seeking a British mortgage ensuring they have a transitional journey through their transaction. Our team of specialist British mortgages brokers have built up strong relationships with many leading British mortgage lenders and their underwriters to help us find the best deals for your situation. This can allow us to find rates not necessary available on the high street.

Capital Fortune appreciate our clients may have personalised needs and often require tailor made guidance for your ex pat mortgages needs and requirements. We can guarantee to fill in all required documentation within your time constraints as well as keeping you informed throughout. Our British mortgage specialists are able to assist you with capital raising for home improvements, debt consolidation or to simply release equity in order to purchase additional property abroad.

We can source and provide details of a number of British mortgage lenders through our online mortgage service as well as being able to assist you as to which British mortgages will be made available and best suited to you and your application. British mortgage lenders nationally are able to provide ex pat and foreign nationals with mortgages for the purposes of a purchase or a remortgage. The property can be lived in either permanently or as a second home, your leisure or to rent out. The choice remains yours.

Call our mortgage broker team now on 020 3 216 2037 Mortgage Enquiry Online. As part of our service, we will call you back.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.

British Rates

British Rates - British rates refer to the various interest rate structures on mortgages available in Britain. British mortgage lenders have fixed, tracker, capped and standard variable rate packages.

Fixed mortgage rates are fixed at a certain interest rate for a specified period of time. Such packages offer borrowers peace of mind as they know exactly what mortgage payments will in that period regardless of changing market conditions.

Tracker rate mortgages, on the other hand, follow the Banks of England’s base rate meaning that there is a tendency for mortgage payments to fluctuate. However, these mortgages can be particularly advantageous when interest rates decline as monthly mortgage payments will also fall.

Capped rate mortgage packages are mortgages with a maximum capped interest rate. As such, if the variable rate goes higher than your agreed capped rate borrowers will have to pay no more than the agreed capped rate.

At the end of a fixed, tracker or capped rate deal, borrowers normally revert to a lenders often higher Standard Variable Rate (SVR) which is determined entirely at each Lender's discretion.

Clearly, different rate structures can have varying effects on ones situation and finances. Our advisers at Capital Fortune will discuss the advantages and disadvantages of all British rates and further assist you in obtaining a suitable package.

We are a British mortgage broker based in the City of London. We have an extensive, British and overseas mortgage client base. We understand the needs of British Expats and Foreign Investors wishing to secure British mortgages. We appreciate many of the reasons a client may have for wishing to purchase or remortgage a property in Britain. As such, we will use our knowledge of the mortgage market and British rates to find the optimum solution for you.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.

Ex Pat Buy To Let Mortgages

Ex Pat Buy To Let Mortgages - Ex pat buy to let mortgages are mortgages sought by ex-pats wishing to purchase a buy to let property within the British Isles. The UK ex pat buy to let mortgages market has changed dramatically in recent years. Expatriates seeking a return to the UK may have left a booming mortgage market, soaring house prices and easily obtainable mortgages. However, in the current economic climate, ex pat buy to let mortgages are increasingly being rejected by high street banks and building societies, it is now more difficult to find a cost effective solution for your finance and banking needs.

Ex pat buy to let mortgages applicants are increasingly requiring the services of a mortgage broker. Our expat buy to let mortgages team are experts in placing clients with the right lender at the right rate, but importantly at the right time. Using our comprehensive panel base, both nationally and internationally, it is our role to seek to obtain the optimum financial result for you.

We have built up strong and established relationships with many lenders of ex pat buy to let mortgages within the UK. Using our contacts and links with leading underwriters of many providers, we can increase our clients chances of a successful application. We will arrange the most suitable and affordable package for your individual ex pat buy to let mortgages needs.

Aware of the time constraints some clients have, our ex pat buy to let mortgages advisers will complete your enquiry through to completion. We will quickly advise as to whether a private lender of ex pat buy to let mortgages, UK or international bank or building society will be most suitable. We also guarantee to complete all the critical details towards your application, all within your specific required timeframes.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Seeking ex pat buy to let mortgages? Call us today

Ex Pat Mortgages

Ex Pat Mortgages - Ex pat mortgages are mortgages for expats seeking to purchase a property in the UK. Ex pat mortgages have always been difficult to obtain, but now coupled with the current economic climate and the process has become even harder to navigate. This is where we assist.

Our team offers a customised and holistic service to clients seeking ex pat mortgages ensuring they have a transition journey through their transaction. Our team of specialist ex pat mortgages brokers have built up strong relationships with many leading lenders of ex pat mortgages and their underwriters to help us find the best deals for your situation. This allows us to find rates not necessary available on the high street.

We appreciate our clients may have bespoke needs and often require tailor made guidance for your ex pat mortgages needs and requirements. We can guarantee to fill in all required documentation within your time constraints as well as keeping you informed throughout. Our ex pat mortgages specialists are able to assist you with capital raising for home improvements, debt consolidation or to simply release equity in order to purchase additional property abroad.

We can source and provide details of a number of ex pat mortgage lenders through our online mortgage service as well as being able to assist you as to what mortgages will be made available and best suited to you and your application. Ex pat mortgage lenders UK wide are able to provide ex pat mortgages for the purposes of a purchase or a remortgage. The property can be lived in either permanently or as a second home, your leisure or to rent out. The choice remains yours.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call us today to find out more about ex pat mortgages. Our ex pat mortgage brokers look forward to taking your call.

Ex-Pat Mortgage

Ex-Pat Mortgage - Ex-pat mortgage and ex-pat mortgages are becoming increasingly difficult to obtain for the individual. An ex-pat mortgage will be sought by British nationals living overseas who seek to move back to the British Isles having purchased a residential or buy to let property. Unfortunately since the recent well documented worldwide economic difficulties, many high street banks and building societies throughout the UK have become reluctant to lend to ex-pat mortgage seekers and often rejecting individual applications. Those that can secure an ex-pat mortgage individually are often left with non cost effective rates.

However, ex-pat mortgage deals are available, especially through private lenders. We offer a bespoke and holistic service to all clients seeking an ex-pat mortgage, aiming to obtain the best possible result for your financial and banking needs and requirements.

Our ex-pat mortgage advisers will quickly guide all clients as to whether a UK bank, private ex-pat mortgage lender, or local building society will be best suited to your individual ex-pat mortgage application. Using our comprehensive panel base and senior relationships with many underwriting staff at leading ex-pat mortgage lenders, we will increase your chances of a successful application, often being able to obtain the best available rates for your specific enquiry.

We also guarantee to fill in all the necessary paperwork towards your transaction through to completion, ensuring no critical details are missed out and saving you time and stress. Our expert ex-pat mortgage team are specialists in providing our clients with the right lender at the right rate, but importantly at the right time.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call us today. Our ex-pat mortgage advisers anticipate your call.

Expat Broker Mortgages

Expat brokers are no ordinary mortgage broker. Expat brokers understand the expat community and appreciate the reasons for an expat mortgage purchase or an expat remortgaging. Capital Fortune have specialist expat brokers who have themselves worked overseas and understand the many financial benefits of expats and foreign nationals owning a home in the UK.

As mortgage brokers and expat broker specialists we can source and provide details of a number of mortgage lenders through our online mortgage service. We will be able to assist you as to what mortgages will be made available to expats. Home mortgage lenders UK wide are able to provide expat mortgages for the purposes of a purchase or a remortgage. The property can be lived in by the returning expat either permanently or as a second home and can be used at your leisure or to rent out. The choice remains yours.

Our expat brokers are able to source you the best value expat mortgages and provide you with a professional service from mortgage application to completion.

We are expat remortgage specialists and are able to assist you with capital raising for home improvements, debt consolidation or to simply release equity in order to purchase additional property abroad.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquiry Online.

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

Changes in the exchange rate may increase the sterling equivalent of your debt.

We charge a fee for expat mortgage advice. The fee charged depends on your circumstances, but we estimate it to be 0.5% of the loan amount.

The information contained within this website is subject to the UK regulatory regime and is restricted to customers based in the UK and UK expats.

Expat Buy To Let Mortgages

 

Expat Buy To Let Mortgages - Expat buy to let mortgages is finance for UK nationals looking to purchase a property within the UK to rent out. Expat buy to let seekers can often find obtaining a mortgage to suit their requirements challenging in the aftermath of the credit crunch, with many banks still apprehensive about lending. This is where our specialist expat buy to let team can help.

We offer a holistic service to clients, working around their bespoke needs to find a mortgage that best suits their needs. We operate a comprehensive panel of lenders approach, allowing us to build up strong relationships with many leading providers. This puts us in a position to find you rates not necessarily available on the high street, as well as putting you in the optimum position to save money on your expat buy to let mortgage. We also guarantee to complete all forms within your time constraints as well as being on hand to supply advice to achieve the best deal for you.

We understand the many important reasons a client has for purchasing property to rent out within the UK. Many of our specialist expat buy to let mortgage broker team have themselves worked and lived abroad and so understand the importance and benefits of owning a home in the UK.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

For more information on expat buy to let mortgages call us today. Our brokers look forward to taking your call.

 

How to get in touch

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Selected Expat and Offshore Worker Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 26/07/2017.

CodeIntial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes

001

1.99%

Fixed

30/09/2019 4.59% 4.70% 2% in year 1, then 1% in year 2 £995

None

Expat Buy to Let to75% LTV

Repayment or Interest Only

Expat and UK Resident Joint Application.

002 **SEMI EXCLUSIVE**

 

3.19% Discount

31/12/2019

5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Residential to 80% LTV

Second Home or UK Base

003

 

1.69% Discount 31/07/2019 5.70% 5.70% 1% until 31/07/2019 £199 None

Expat Residential to 75% LTV

Free Standard Valuation.

Either: immediately returning to the UK or UK resident and Expat Joint Application.

004

**SEMI EXCLUSIVE**

2.89% Discount 2 Years 5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Buy to Let

Max 50%-75% LTV (product dependant)

First Time Buyers / Pure Expat Applicants Considered

005

1.24% Fixed 30/11/2019 3.75% 3.75% 2% in year 1 & 2 £995 None

Expat Residential

Max 60% to 90% LTV (product dependant)

UK resident and Expat Joint Application

006

**SEMI EXCLUSIVE**

 2.80% Discount  2 Years  5.29%  5.29%  2% in year 1, then1% in year 2  £995  None 

Expat Holiday Let

Max 60% - 75% LTV (product dependant) 

007  3.60% Fixed 31/08/2019  4.00%  4.00%  2% in year 1,then 1% in year 2  None  1% 

Expat Buy to Let

Max 65% - 75% LTV (product dependant)

Personal income used (not based on rental income)