Foreign Nationals

Highly Skilled Migrant Mortgage

Highly Skilled Migrant Mortgage - Highly skilled migrant mortgage and highly skilled migrant mortgages are available from a number of UK lenders. A highly skilled migrant seeking a mortgage within the UK faces increasing difficulty in obtaining finance with risk averse UK banks and building societies becoming increasingly reluctant to lend.

We offer a specialised and bespoke service to all clients seeking a highly skilled migrant mortgage. We understand that highly skilled migrant workers seeking mortgages contribute significantly to the UK work force and economy, increasing the skills base, paying taxes and adding to our community. It is our role to find our customers the most cost effective and competitive rate for their highly skilled migrant mortgage.

Our team of advisers specialise in finding our highly skilled migrant mortgage clients at the right time with the right lender, but importantly at the right rate. We have built up outstanding relationships with many highly skilled migrant mortgage providers who have been in business for a number of years. Our relations with senior underwriters at many companies offering a highly skilled migrant mortgage often ensures our clients get the best rates possible for their financial needs and circumstances. Furthermore, the team can increase your chances of success for the highly skilled migrant mortgage.

We will quickly be able to advise you whether your highly skilled migrant mortgage will be best suited to a UK bank or building society, international bank or private company. In addition to this and in appreciation of your time constraints, our highly skilled migrant mortgage advisory team will guarantee to fill in all the necessary paperwork and documentation for your application and all within your 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.

To call one of our highly skilled migrant mortgage team, contact us today.

Highly Skilled Migrant Mortgages

Highly Skilled Migrant Mortgages - Mortgages for skilled migrants are available to highly skilled migrants working throughout the UK.

Capital  Fortune  specializes in obtaining the most suitable and affordable skilled migrant mortgages for overseas professionals. We particularly work with clients in the financial services industry, the legal and medical profession, accountancy, optometrists and skilled staff working in the National Health Service.

We are fully aware, that highly skilled migrant workers contribute significantly to the UK work force and British economy, increasing the skills base, paying taxes and adding to our community. Mortgage lenders are however, reluctant to offer mortgages for skilled migrants on the basis that permanent residency is not established or that the skilled migrants UK-wide may be on contracts tied to their employment contract or other conditions

At Capital  Fortune, we deal with a number of overseas visitors including foreign diplomats, visiting academics and professionals. We know our criteria and we know our lenders. We are able to place the right client at the right rate at the right time. 

We provide a bespoke mortgage solution to our highly skilled migrant clients working in the UK and are able to assist those looking for a highly skilled migrant visa mortgage.

Call us today on 020 77 100 400 or Enquire Online.

Highly Skilled Migrant Mortgages - Mortgages for Skilled Migrants

Mortgages for skilled migrants are available to highly skilled migrants working throughout the UK.

Capital Fortune specializes in obtaining the most suitable and affordable skilled migrant mortgages for overseas professionals. We particularly work with clients in the financial services industry, the legal and medical profession, accountancy, optometrists and skilled staff working in the National Health Service.

We are fully aware, that highly skilled migrant workers contribute significantly to the UK work force and British economy, increasing the skills base, paying taxes and adding to our community. Mortgage lenders are however, reluctant to offer mortgages for skilled migrants on the basis that permanent residency is not established or that the skilled migrants UK-wide may be on contracts tied to their employment contract or other conditions

At Capital Fortune, we deal with a number of overseas visitors including foreign diplomats, visiting academics and professionals. We know our criteria and we know our lenders. We are able to place the right client at the right rate at the right time.

We provide a bespoke mortgage solution to our highly skilled migrant clients working in the UK and are able to assist those looking for a highly skilled migrant visa mortgage.

For more information on our skilled migrant mortgage service call us today on 020 77 100 400 or email us at Enquiry Online.

HSMP Mortgage

HSMP Mortgage - HSMP mortgage refers to mortgage solutions for individuals on the Highly Skilled Migrant Programme.

HSMP mortgage applicants have been less fortunate in recent years since the credit crunch. High street banks and building societies are increasingly been risk averse and are even more reluctant to offer HSMP mortgage packages. The UK housing market can often be difficult to navigate and for HSMP mortgage applicants, the arranging of a competitive rate for their HSMP finance deal is often requiring the services of a mortgage broker.

Our team of HSMP mortgage advisers specialise in finding our HSMP clients at the right time with the right lender, but importantly at the right rate. We have established strong relationships with many providers of HSMP mortgages who have been in business for a number of years. Our relations with senior underwriters at many HSMP mortgage lending institutions often ensures our clients get the best rates possible for their financial needs and circumstances. Furthermore, the team can increase your chances of success for the HSMP mortgage.

Aware of any time constraints you may have, our expert team will be able to advise and assist you throughout your HSMP mortgage application. As well as briskly advising you as to whether your HSMP mortgage application will be most suited to a private lender, UK or international lender, we will complete all the paperwork required to ensure your mortgage is secured at the best possible rate.

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

HSMP mortgage solutions can be found with our HSMP mortgage team. Call us today.

Immigrant Mortgages

Immigrant Mortgages - Immigrant mortgages are mortgages obtained by immigrants seeking permanent residence within the UK. The expansion of the EU in recent years has seen an influx of immigrants move into the United Kingdom. Nevertheless, the individual is often shocked at house prices, especially in the south east and can find securing the right mortgage for their property problematic. We can offer a specialised and holistic service for our clients seeking immigrant mortgages, using our comprehensive panel base in an attempt to find you the optimum immigrant mortgages rate.

Unfortunately, providers of immigrant mortgages are becoming seemingly more unenthusiastic to lend to the individual. However, our team of experts in the immigrant mortgages market have built up strong and stable relationships with many leading providers of immigrant mortgages both nationally and internationally. Our excellent relations with companies offering immigrant mortgages and their underwriters means our advisory staff can offer you a greater chance of obtaining a mortgage for your immigrant mortgages application.

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

We are fully aware that our clients seeking immigrant mortgages are relatively new to the process of obtaining a mortgage within the UK. Our advisors precisely arrange a suitable and affordable contract for our clients seeking individual mortgages. Also, our specialist team will complete all the necessary documentation for you within your required timescales.

Immigration Mortgage

Immigration Mortgage - Immigration mortgage refers to immigrants seeking a mortgage having purchased a residential or buy to let property within the United Kingdom. Many foreign or EU nationals searching for an immigration mortgage often find the complexity of the UK housing and finance market difficult to appreciate. Many high street banks and building societies within the UK are becoming increasingly risk averse and reluctant to lend to individuals with many individual immigration mortgage enquiries increasingly rejected.

Nevertheless, there are still certain lenders offering immigration mortgage deals. Using our comprehensive panel base and built up relationships with many of the leading immigration mortgage providers and their senior underwriters, our advisory team will seek to find you the optimum financial result for your immigration mortgage and loan requirements.

Foreign nationals outside the EU will require certain documentation to be provided in order for their immigration mortgage application to succeed. A UK work permit or visa with sufficient open ended permission to live in the UK is essential for a mortgage to be obtained. The applicant should also find better rates and higher chances of a successful application if they have lived in the UK previously or have funds in a UK bank account. Those seeking to secure an immigration mortgage with an EU passport should find less difficulty when completing their immigration mortgage transaction.

On the other hand, if all the required paperwork is received, individuals seeking an immigration mortgage may still find it problematic to obtain a suitable and affordable rate for your specific individual needs and circumstances. This is where we can help

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

Contact one of our immigration mortgage advisers today. We look forward to taking your call.

Indefinite Leave To Remain Mortgage

Indefinite Leave To Remain Mortgage - Indefinite leave to remain mortgage is a mortgage obtained by an individual who has been granted indefinite leave to remain in the UK having had residency for 2-5 years now free from immigration control. The process of obtaining a mortgage is often easier for an indefinite leave to remain mortgage applicant than before citizenship has been acquired. We offer a specialised and bespoke service for indefinite leave to remain mortgage applicants, using our established relations with UK and international banks to find the best indefinite leave to remain mortgage deals for our clients.

We have a team of indefinite leave to remain mortgage experts who seek to obtain our customers the best indefinite leave to remain mortgage deals. Our team realise that a house purchase can be costly and we offer tailor made solutions to your requirements of your indefinite leave to remain mortgage. We will provide the most suitable and affordable contract for your indefinite leave to remain mortgage, creating the ideal financial result.

Our indefinite leave to remain mortgage team will advise you quickly whether your particular application will be best suited for a private indefinite leave to mortgage firm, UK bank, international bank or local building society. Furthermore, we guarantee to complete all the necessary and critical documentation for your transaction in your requested time frame.

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

Contact a member of our indefinite leave to remain mortgage advisory team. We look forward to taking your call.

International Mortgage Solutions

Offshore Mortgages are available through Capital Fortune’s premier mortgage service for High Net Worth clients. A number of offshore mortgage lenders are based both offshore and in the UK and the market for offshore mortgages is becoming increasingly competitive. We are able to offer a range of international mortgage solutions for your offshore mortgage needs.

The offshore mortgage market is now a multi million pound industry as globalization results in less domestic and more international mortgage solutions. The offshore mortgage lenders are increasingly making their offshore mortgage and offshore finance products more available and accessible. They can depending on your current circumstances, be extremely competitive given offshore tax arrangements, and these can be discussed with your own tax adviser.

Offshore mortgage lenders have dramatically cut set up fees, interest rates and early repayment charges in order to attract more offshore mortgage customers to its range of international mortgage solutions. Some mortgage lenders have taken a fairly flexible attitude to mortgage solutions and have created international finance products suitable for those wishing to own real estate in offshore trust or within an offshore company structure. They also provide specialist offshore mortgage and taxation saving advice to clients who may be in a position to mitigate tax through the use of a offshore international mortgage solutions.

Capital Fortune can offer bespoke offshore and international mortgage solutions by way of foreign currency mortgages, property purchase schemes, expat mortgages and buy to let mortgages for those living offshore or overseas. We can also provide international mortgage solutions for those who wish to invest in UK property, and equity release schemes for those with property assets in one country but who reside elsewhere.

The potential to benefit from a truly offshore international mortgage solution may be significant in terms of mitigating income tax and possibly also inheritance tax but not everyone or every scheme is eligible and it therefore imperative to seek offshore taxation advice from your accountant or other adviser before seeking an offshore mortgage.

Capital Fortune are able to provide you with a range of international mortgage solutions but we are unable to provide you with any offshore taxation as it relates to either taxation or legal matters. This advice can be obtained from your own individual specialists.

Call us today to discuss our offshore mortgages and other international mortgage solutions on 020 3 216 2037 or Enquiry Online .

Mortgage

Mortgage - Indefinite leave to remain in the UK mortgage is a mortgage sought by foreign nationals granted indefinite leave to remain in the UK. Mortgages are more difficult for non UK nationals. Risk averse and reluctant UK banks and building societies still can be unwilling to lend to those requiring a mortgage despite having indefinite leave to remain in the UK.

Our mortgage lenders appreciate that it can be difficult for the individual to navigate the process of gaining success in their indefinite leave to remain in the UK mortgage application. Our expert team will quickly advise our clients whether their application would be best suited to a private mortgage provider, international bank or UK bank or local building society. Furthermore, we can guarantee to complete your indefinite leave to remain in the UK mortgage application within your required timeframes, filling in all the necessary and critical documentation to save our clients time and stress.

We offer a bespoke service for our customers, increasing their chances of success and using our established relationships with leading underwriters at indefinite leave to remain in the UK mortgage providers finding our customers the optimum financial result. Our team of indefinite leave to remain in the UK mortgage advisors will use our comprehensive panel base to find our clients the right deal at the right time with the right lender, but importantly at the right rate.

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 indefinite leave to remain in the UK mortgage advisory team are waiting to take your call.

Mortgage for Foreign Nationals

Mortgage for Foreign Nationals - are surprisingly more complex and difficult to obtain. Foreign nationals with the right to enter, live and work in the UK still face difficulty in the mortgage market. Foreign national mortgages are available but the mortgage lender will have to be fully satisfied that the Applicant has sufficient income to support the mortgage repayments.

Capital  Fortune are experts when dealing with foreign national mortgages. Our specialist team understand the difficulties faced by foreign nationals in the mortgage process. We are here to help and through our specialist foreign national online mortgage service, on ascertaining your full needs and requirements we will know exactly which home mortgage lender to place the case with.

Foreign national mortgage applicants will need their passport or national identity card for us to establish the entitlement to live and work in the UK. Foreign nationals of countries in the European Economic Area  (EEA) have the right to live and work in the UK without restriction.

There is no reason why a mortgage lender, if satisfied as to the applicant’s ability to repay the loan, will not be willing to offer a foreign national mortgage.

For non-EEA nationals, specific authority to enter and work in the UK is required and in order to succeed with a mortgage application, we would need  sufficiently open-ended permission to stay in the UK. This often can be that you have been in the UK for a few years and have a few years left on your visa.

We will succeed in the application if we can reassure the mortgage lender about the permanency of your residential circumstances and your intentions to remain here in the UK..

The immigration process and right of residency is a complex area when it comes to mortgage applications and a member of our specialised team will be able to assist and advise you on the most suitable and affordable mortgage for you. This may be on a home mortgage UK or may be through one of international mortgage solutions.

Call us today on 020 77 100 400 or Enquire Online.

How to get in touch

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Selected UK Mortgages for Foreign Nationals

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 04/04/2016.

CodeInitial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes
001 1.24% Tracker 30/06/2018 3.99% 3.72%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.

002 1.44% Tracker 30/06/2018 4.00% 3.72% 1% of loan to be paid until 30/06/2017, Then 0.5% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

003 3.29% Fixed 30/06/2018 3.99% 4.03%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 90% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.
004 2.50% Fixed

30/06/2018

4.00% 3.86% 2% of loan to be paid until 30/06/2017, Then 1% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 90% Residential

Tier 1 visa only. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

005 2.59%

Buy to Let Fixed

30/05/2018 5.35% 5.23%

 

3% of loan to be paid until 31/05/2017, Then 2% of loan to be paid until 31/05/2018, 10% capital repayments allowed per year without penalty.

 

£1999 None

Buy to Let max 60%

Tier 1 visa required