Expats

Expatriate Mortgage Sales

Expatriate Mortgage Sales - Expatriate mortgage sales are services required by expatriates in order to purchase a buy to let or residential property within the UK. Expatriate mortgage sales are becoming increasingly needed to ensure clients obtain a competitive rate for their expatriate mortgage needs. High street banks are becoming more risk averse in their approach to expatriate mortgages and may offer higher interest repayments which are not best suited to a customer. We offer a bespoke and a holistic service to all clients seeking expatriate mortgages sales to ensure they obtain the most competitive mortgage sales rate for their individual circumstances.

As specialist expat and foreign national mortgage brokers we are able to source expatriate mortgages with British mortgage lenders. We understand our clients and the need to secure expatriate mortgages. We appreciate many of the reasons a client may have for wishing to purchase a home back in the UK or remortgaging. We have specialist brokers who have themselves lived and worked overseas and so understand the many financial benefits of expats and foreign nationals owning a home in the UK.

As expatriate mortgage sales advisers, we can source and provide details on a number of expatriate mortgage products form British lenders. We will be able to assist you as to what package will be most suitable to expatriates mortgages sales seekers for their unique requirements. The property can be lived in if you are coming to the UK or it can be let out as a second home.

Our expatriate mortgages sales team are able to source for you the best value British mortgages from across a comprehensive panel of lenders and will provide you with a professional service from the initial mortgage application right through to completion. We have built up strong relationships with many leading expatriate mortgage sales teams, allowing us to gain direct access to their underwriters for our clients. We can then obtain rates that may not necessarily be on the market for your circumstances

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 for more information on our expatriate mortgage sales. Our team of advisers look forward to taking your call.

Expatriate Mortgages

Expatriate Mortgages - Expatriate mortgages are mortgages designed for British nationals residing outside of the UK. Expatriate mortgages allow British nationals living abroad to purchase properties in the UK, whether as an investment, a second home or a home to move back to should they return to the UK. Individuals who wish to take out expatriate mortgages should keep in mind that they are specialist products and the willingness of lenders to provide expatriate mortgages may vary. In addition, exchange rate fluctuations are likely to affect monthly payments and budgeting.

At Capital Fortune, our specialist team have substantial experience arranging expatriate mortgages. Our advisers have well established links with many lenders and work closely with our clients to arrange the mortgages which are most suitable to the needs of our clients. We offer our personalised service, particularly vital for specialist areas such as expatriate mortgages.

We are able to save you money, time and hassle by dealing with lenders of expatriate mortgages on your behalf. We also take care of the paperwork and present your details to the lenders in a manner which maximises the potential of success for your application.

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.

Expats & Offshore Worker Mortgages

Expats and Offshore Worker Mortgages - are a specialist area of Capital Fortune. Our clients are typically British expatriates or offshore workers who wish to purchase or remortgage a property in the UK. These properties may be for investment (buy to let) or residential. We have years of experience arranging expat and offshore worker mortgages.

Our expert advisers at Capital Fortune appreciate that it may be difficult for expat and offshore worker clients to keep up to date with trends and movements in the British mortgage market. As we are informed about movements and trends in the market for expat and offshore worker mortgages, we save clients the hassle of researching on their own accord. This is why our bespoke service of expat and offshore worker mortgages may be of substantial benefit to you.

We understand the British mortgage market and are in contact with lenders from our comprehensive panel base. Capital Fortune is not tied to any particular lender and as a result we put you, our clients first. We offer a holistic view of expat and offshore worker mortgages to you and offer a personalised service to suit your specific requirements.

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.

 

Mortgage Expatriate

Mortgage Expatriate - Mortgage expatriate refers to mortgages sought by expatriates returning to the UK and looking to purchase a buy to let or residential property. The mortgage market has changed significantly in recent years. UK nationals may have migrated when house prices were at high levels, lenders were willing to lend no matter the client’s mortgage expatriate credit rating and finance was easier to obtain. Nevertheless, the mortgage expatriate market since the recent economic downturn has changed. Many lenders have been increasingly reluctant to lend to mortgage expatriate customers. Those who are granted a successful application are often left short changed with unkind rates for their mortgage expatriate application.

This is where we are here to help. There are many specialist mortgage lenders who can raise funds and offer suitable and affordable packages for mortgage expatriate seekers within the UK. Using our comprehensive panel international base, our mortgage expatriate advisers will seek to find our clients with the right rate at the right lender, but most importantly at the right time.

Our mortgage expatriate team promise to help all clients every step of the way to the completion of their transaction and beyond. We will advise you whether a private mortgage expatriate lender, UK bank or local building society will be best suited to your individual needs and requirements.

We offer a bespoke and holistic service to all mortgage expatriate clients. Over recent years, our expert advisory team have built up strong and established relationships with many mortgage expatriate providers and their underwriters, often producing favourable rates for our clientele and granting a higher chance of success with their mortgage expatriate application.

In addition, our expert team will also guarantee to fill in all the paperwork required for your transaction, saving our clients time and stress in the process.

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

Call our mortgage expatriate team today. We look forward to taking your call.

Mortgage For Expat

Mortgage For Expat - Mortgage for expat and mortgages for expats is finance designed for expatriates seeking a mortgage to purchase residential or buy to let property in the UK. Mortgages for expat seekers are finding the current economic crisis damaging their efforts to obtain a mortgage for expat at a competitive and affordable rate. This is where we can assist you.

We specialise in offering a bespoke and holistic service to our clients to ensure the loan we find for them is the best package possible for their individual circumstances. We appreciate the multitude of reasons a client has to purchasing a property in the UK. Our specialist mortgage for expat broker team contains member who have themselves lived and worked aboard and so understand the benefits of expats owning a home in the UK.

Our comprehensive panel approach has allowed us to build up strong relationships with many leading mortgage for expat providers and their senior underwriters, putting us in the position to obtain you rates best suited to your needs, not necessarily available to the individual. This also puts us in the optimum financial position to save you money and time.

We guarantee to fill in all required documentation within your time constraints as well as providing a steady flow of guidance and support.

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 mortgage for expat rates, call one of our specialist advisers today.

Mortgage For Non Dom

Mortgage For Non Dom - Mortgage for non dom and mortgages for non domiciles is finance designed to fit non doms looking to purchase residential or buy to let property in the UK. Mortgage for non doms are becoming increasingly difficult to obtain, with many non doms not finding the right mortgage to suit their individual and bespoke needs. The credit crunch has only increased the risk adversity of banks to lend.

We offer a professional and personalised service to each of our clients to ensure they find the best mortgage for non dom package to suit your circumstances. We appreciate the benefits of holding property in the UK and regularly deal with such clients seeking mortgage for non doms.

Our specialist mortgage for non dom team work hand in hand with many leading mortgage for non dom providers and their senior underwriters, allowing us to access rates not necessarily found on the high street. This also puts us in the best possible position to save you money and time. We also guarantee to fill in all required documentation within your time constraints as well providing a stream of advice and guidance throughout your mortgage for non dom transaction and beyond. We can also advise you on whether a fixed rate mortgage or a tracker mortgage will be best for your needs.

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 mortgage for non dom team looks forward to taking your call.

Mortgage Non Dom

Mortgage Non Dom - Mortgage for non dom and mortgages for non domiciles is finance designed to fit non doms looking to purchase residential or buy to let property in the UK. Mortgage for non doms are becoming increasingly difficult to obtain, with many non doms not finding the right mortgage to suit their individual and bespoke needs. The credit crunch has only increased the risk adversity of banks to lend.

We offer a professional and personalised service to each of our clients to ensure they find the best mortgage for non dom package to suit your circumstances. We appreciate the benefits of holding property in the UK and regularly deal with such clients seeking mortgage for non doms.

Our specialist mortgage for non dom team work hand in hand with many leading mortgage for non dom providers and their senior underwriters, allowing us to access rates not necessarily found on the high street. This also puts us in the best possible position to save you money and time. We also guarantee to fill in all required documentation within your time constraints as well providing a stream of advice and guidance throughout your mortgage for non dom transaction and beyond. We can also advise you on whether a fixed rate mortgage or a tracker mortgage will be best for your needs.

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 mortgage for non dom team looks forward to taking your call.

Mortgages For Expatriates

Mortgages For Expatriates - Mortgages for expatriates are mortgages designed for expatriates to allow them to purchase residential or buy to let property in the UK. Mortgages for expatriates can be hard to obtain due to the requirements involved with them, such as recent credit history. The recent global economic crisis has also further increased the difficulty in gaining mortgages for expatriates at a competitive rate. Our role is to assist you in obtaining the best possible rate for your individual circumstances.

Our mortgages for expatriates brokers are able to source you the best value expat mortgages and provide a professional service from mortgage application to completion. We have years of expertise and experience working with leading mortgages for expatriates lenders, gaining direct access to their leading underwriters for our clients. This can lead us to obtain the most competitive rate, not necessarily available on the high street.

We have specialist mortgages for expatriates brokers who have themselves worked overseas and understand the many financial benefits of expatriates and foreign nationals owning a home in the UK. We also appreciate the stress and time constraints involved, so guarantee to have all forms completed for you on your own timescales.

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

Our mortgages for expatriates look forward to taking your call.

Mortgages For Expats

Mortgages For Expats - Mortgages for expats are mortgages designed specifically for expats who wish to buy residential property in the UK. Mortgages for expats have become a scarce commodity in today’s mortgage market due to the credit crunch. Many mortgages for expats customers are finding it hard to find a mortgage suitable to their unique requirements. This is where we can help. We provide a bespoke and holistic service to expatriates to ensure they obtain the most competitive rate for their situation.

We understand the expat community and appreciate the reasons for an expat mortgage purchase or an expat remortgaging. Our team of mortgages for expat brokers consists of members who have themselves worked overseas and understand the many financial benefits of expats and foreign nationals owning a home in the UK, have direct access to many

As specialist mortgage for expats brokers, we can source and provide details of a number of mortgage lenders through our mortgage service and comprehensive panel approach. We will be able to assist you as to what the most competitive and affordable mortgages for expats rates will be available. 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, at 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 one of mortgages for expats advisers today. We look forward to taking your call

Mortgages for UK Expats

Capital Fortune is a bespoke mortgage broker based in the City of London specializing in securing mortgages for UK expats currently working or living overseas or who have just returned. Typically our ex pat clients have realised that whilst out of the UK the landscape of lending has fundamentally changed.

They often tell us of their difficulty given they no longer have the same connections to a UK address and that their lack of UK credit has impacted on their automated credit score used by many lenders. They may earn income in a foreign currency and want to understand which lenders and at what rates they can secure funding. We have helped a number of clients in similar situations and are UK specialists in this area.

We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards 2011.

     It was quite an easy decision to make.the run of the mill mortgage brokers really weren't going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too. Joe Crosby, Golders Green

Our clients understand it is difficult to obtain a mortgage if you are no longer resident or working in the UK. There are specific criteria to qualify for an expat mortgage including your income and occupation, who you work for, your country of residence, the date you left the UK and your plans to return, to name a few. Our Advisers will take you through all the options available.

     They arranged a remortgage for us. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I've taken out .RH, Stanmore

Clients making contact with us in similar situations, typically tell us of their frustration at the current restrictions on finance for UK expats. They usually have an appropriate income to support the mortgage and have a healthy deposit for a purchase or significant equity in a current UK home to undertake a remortgage. They do not understand why the vast majority of lenders will not consider their ties here in the UK or their individual circumstances. They appreciate that issues around country of origin, country of residence, domicile and taxation regions can be a detailed and complex area when it comes to obtaining mortgage finance.

In order to qualify and for us to assist, earned income abroad or here in the UK must be sufficient and be derived from either employment or self employment. Typically, we will ensure you meet the mortgage lenders criteria and our provisional assessment will be based on the affordability of your mortgage payments and your wishes to return to the UK. We will take your instructions on whether this is to be temporarily or permanently and in the short and long term. Our Advisers will quickly tell you, whether you qualify for any of the schemes we have on offer.

At Capital Fortune, we know our lenders, we know our criteria and our rates. We have assisted a large numbers of clients who are ex pats living in Europe, the Middle East, Far East, Australia, the US, New Zealand, South Africa, China and Russia. We have also helped people living in other nation states. Because of our relationships with lenders, we can regularly secure ex pat clients mortgages at standard rates. We have some schemes where the mortgage can be on residential rates, but whilst you are o return the property can be granted formal permission to let. This allows us to legitimately obtain a buy to let mortgage at residential rates and that's where we believe we differ at Capital Fortune. We refuse to allow lenders to charge more, simply because you are working abroad. On speaking to one of our Advisers you will quickly realize our impartiality is fundamental to us and we act solely on your behalf.

     They were so helpful and so friendly. We felt we were talking to friends rather than just some firm trying to make money from us. Mrs Harris, North London

Whatever the reasons for your mortgage, we know our market and understand our lenders and we ensure we place the right client with the right lender, at the right rate and at the right time. Our experience offering mortgages for ex pats, requires us to check that the mortgage is affordable and suitable and the mortgage lender will have to be sure that there is some form of track record to earned income. Many mortgage lenders show reluctance in underwriting these cases given concerns around the sustainability of the income stream and we on local knowledge of your employment or business situation whilst abroad and we will need to assess whether income is guaranteed and what your long term plans are to return to the UK.

     What I believe is so special is that they really care about people. Dalia, Hampstead

We understand these difficulties and our ability to contact senior underwriters to discuss you particular case with them directly,allows us to save you time, money and disappointment. We will immediately know what lenders are likely to accept your situation and which lender will agree our application. This may be with one of our mainstream lenders, an offshore international mortgage solution or depending on your circumstances, we may place you with one of our private banks. To discuss the options, simply call us or request a call back online, whatever suits you best.

     We are now on our second mortgage with Capital Fortune and recommend them to friends and family. EHB, London

On calling, we will assess your circumstances and confirm whether it meets the criteria. If so, and on deciding you want us to assist, we will provide you with a mortgage illustration which will include all the details and costs involved in the UK mortgage. This will include the exact rate payable from the outset and importantly your monthly mortgage payments. We can also arrange the insurances necessary for the property if required and will discuss with you are ex pat packages.

For assistance on our UK Expat, call us today on either +44 (0) 845 3 630 430 or +44 (0) 20 3216 2037 or Enquire Online.

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)