Foreign Nationals

Mortgage Visa

Mortgage Visa - Mortgage visa refers to individuals with a visa seeking a mortgage to purchase a buy to let or residential property within the UK. A visa or work permit to live and work within the jurisdiction will have been obtained. A mortgage visa will be a necessary condition for a UK mortgage: a tier 1, tier 2, highly skilled migrant visa or indefinite leave to remain in the UK. Increasing reluctance from banks and building societies in recent years to lend to individuals have left many mortgage visa applicants requiring the services of a mortgage broker for their financial and banking solutions.

Our mortgage visa team offer a personalised and bespoke service to all clients seeking finance. Using our comprehensive panel mortgage base, we seek to obtain the most affordable, suitable and best available rate for your individual requirements.

Foreign nationals seeking to secure a visa mortgage will require certain documentation to be provided. 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 visa mortgage applicant should also find more competitive rates and a higher chance of a successful application if they have lived in the UK previously or have had funds in a UK bank account.

We will quickly advise all our visa mortgage clients as to whether a UK bank, private mortgage lender or building society will be best equipped for their specific needs and circumstances. All critical documentation will be completed towards your transaction by our team, ensuring the process for you saves you time and stress.

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 mortgage visa advisory team today. We look forward to taking your call.

Mortgage with a UK Residence Card

Capital Fortune have assisted clients obtain a mortgage previously who have a UK Residence Card, EU Residence Permit or UK Visa.

If you are in the UK and hold a Residence Card, Permit or Visa we maybe able to assist you.

Typically clients tell us that they find it difficult to obtain a mortgage given their residence card or permit. They often tell us that the lenders they have spoken to require permanent rights to reside in the UK before they can be considered for a mortgage. Sometimes, clients inform us they are close to the expiry date on their card or simply have a smaller 10% to 15% deposit and cannot find a lender willing to consider them for a mortgage.

Our team of mortgage advisers specialise in helping foreign national clients arrange a mortgage. We have established strong relationships with many lenders able to consider mortgage applicants who have a residence card or visa. Our team aim to increase your chances of success and speed up the mortgage process for you.

Aware of any time constraints you may have, our expert team will be able to advise and assist you throughout your mortgage application.

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

As an indication, we have provided a selection of mortgage rates for foreign nationals below.

Mortgage With A Visa

Mortgage With A Visa - Mortgage with a visa refers to individuals seeking to purchase a buy to let or residential property within the UK having secured a visa to live and work within the UK. A mortgage with a visa package is available to individuals seeking residence in the UK having obtained a Tier 1, Tier 2, permanent residency or other visas which grant them the right to live and work within the UK. We have an expert team with years of experience advising clients in obtaining a mortgage with a visa, guiding and assisting clients throughout the application process from their initial enquiry until the completion and beyond.

Since the recent economic downturn, a number of UK banks and building societies have been unwilling to offer mortgages to individuals with a visa within the UK. Many have been offered unsuitable and unaffordable products for their individual needs and requirements, with some clients having their applications rejected. Over a number of years our expert team have built up outstanding relationships with a number of providers offering clients a mortgage whilst on a visa to live and work within the UK. Utilising these strong links, we are often able to obtain packages not available to individuals on the open market, much to our client’s satisfaction.

Foreign nationals outside the EU will require certain documentation to be provided in order for their mortgage with a visa 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. We fully understand the complexities and difficulties associated when seeking to obtain a mortgage with a visa. Our team will be on hand to take you through the available mortgage packages, holistically analysing each deal to ensure the deal we find for you is right.

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

Seeking a mortgage with a visa having been obtained to live and work within the UK? Contact us today.

Mortgages For Foreigners

Mortgages For Foreigners - Mortgages for foreigners are mortgages obtained by those seeking residence within the United Kingdom who are not British nationals. This can refer to mortgage seekers from within or outside the EU. Throughout recent economic hardship, mortgages for foreigners providers have become increasingly reluctant when lending to mortgages for foreigners clients. Maximum loans capped at £500,000 by certain high street banks and building societies have made it increasingly difficult for high net worth individuals to navigate the mortgages for foreigners market. We offer a bespoke and customised service to our clients, using our comprehensive panel base to secure you the best mortgages for foreigners rates available.

A mortgages for foreigners package seeker living within the EEA legally has the right to work and within the UK and will not need to overcome any complexity in jurisdiction. Nevertheless, for foreign nationals not within the EEA, documentation must be obtained to secure mortgages for foreigners contracts. Our customers looking for a mortgage living outside the EEA must have a visa or work permit and adequate open ended permission to live in the UK. Furthermore, it would be of benefit to our customers were they to have a UK bank account or have lived in the UK previously. However, even with all the required paperwork, increasing unwillingness from major banks and building societies has left it still tough to obtain a mortgages for foreigners package. This is where we are here to help.

Our mortgages for foreigners advisers will quickly be able to tell you whether your application will be best suited through a UK or international bank, building society or private mortgages for foreigners provider using our established relationships with many mortgages for foreigners lenders and their senior underwriters. In addition to this, we have an expert team who will complete all the necessary documentation and evidence required for your mortgages for foreigners application within your required timescales.

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 our mortgages for foreigners advisers today. We look forward to taking your call.

Mortgages for Highly Skilled Migrant Visas and Foreign Nationals

Capital Fortune is a bespoke mortgage broker based in the City of London specializing in securing mortgages for workers in the UK on Highly Skilled Migrant Visas and Foreign Nationals. We have arranged mortgages for foreign national clients in a variety of situations including:
  • Up to 90% loan to value
  • No minimum time in the UK
  • No minimum time remaining on your UK visa
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.
 
Capital Fortune are a blessing..I feel like Ive got the best rate on the market and a very personable and friendly service Reuben, South London
 
Our clients understand it is difficult to obtain a mortgage if you are not a UK national without permanent rights to remain.
Mortgages for highly skilled migrant visa workers on Tier 1 or Tier 2 Highly Skilled Visas are a specialist area within UK mortgage lending and that is where we can help. There are specific criteria to qualify for a highly skilled migrant visa mortgage including your occupation, country of origin, the date you entered the country and the time remaining on the Visa. Our Advisers will take you through all the options available. We can be called on our national low rate number or request a call back online, using the general enquiry form or call back request.
 
Clients who make contact in similar situations, typically tell us of their frustration at the current restrictions on finance for non-UK nationals. They usually have an appropriate income to support the mortgage and have a healthy deposit. They do not understand why the vast majority of UK lenders will not consider their ties here in the country or their individual circumstances. The UK immigration process with differing types of visas and rights of residency can be a detailed and complex area when it comes to obtaining mortgage finance.
 
It was quite an easy decision to make.the run of the mill mortgage brokers really werent 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
 
In order to qualify and for us to assist, earned income must be sufficient and be derived from either employment or self employment. We have experience in placing clients in these circumstances, with national lenders whom are able to offer a range of mortgages and these can be available with as little as a 10% deposit.
 
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 the extent of your right to enter, live and work in the UK. Our Advisers will quickly tell you, whether you will qualify on any of the schemes we have on offer. Call us today on our low call rate number for our provisional assessment on whether you qualify and whether we can help.
 
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 Ive taken out RH, Stanmore
 
At Capital Fortune, we know our lenders, we know our criteria and our rates. We have assisted a large numbers of clients who are foreign nationals from countries including Australia, the US, New Zealand, South Africa, Canada, Brazil, India, Malaysia, China, Russia, Ukraine and many other nation states. Because of our relationships with lenders, we can often secure clients in these situations mortgages at standard rates.
 
We refuse to allow lenders to charge more, simply because our clients are on a working visa. On speaking to one of our Advisers you will quickly realize our impartiality is fundamental to us and we choose to solely act 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, 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 Skilled Visa workers means we must first check that the mortgage is affordable and suitable. This will require regular income from employment or in self employment.In deeming whether a mortgage is both suitable and affordable, mortgage lenders 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 will need to assess whether it is guaranteed and what your long term plans are here in 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 and rights to remain under the Visa, with them directly, allows us to save you time, money and disappointment. We will immediately know what lenders are likely to accept your type of Visa 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, call us on our national low rate number or request a call back online, whatever suits you best.
 
On calling us, 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 will need to take you through the mortgage product in fine detail.
 
 

For assistance on our mortgages for Skilled Workers, call us today on 020 77 100 400 or Enquiry Online.

Mortgages For Immigrants

Mortgages For Immigrants - Mortgages for immigrants are mortgages sought by foreign nationals seeking to purchase a residential or buy to let property within the UK. Since the recent global economic downturn, it has often been complex and difficult for individuals to obtain suitable and affordable mortgages for immigrants. Many High Street lenders have become more reluctant to lend to clients who may appear to be a higher risk, often rejecting applications. However, mortgages for immigrants can still be obtained for the right clients. We offer a bespoke and holistic service for all clients seeking mortgages for immigrants, guiding and assisting all clients from their initial enquiry until the completion of their application and beyond.

Seekers of mortgages for immigrants outside the EU will require certain documentation to be provided in order for their 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 mortgages for immigrants with an EU passport should find less difficulty when completing their immigration mortgage transaction.

Our team are experts in finding mortgages for immigrants. We will scour from our comprehensive panel foreign national mortgage base to find the best available product for your individual needs and requirements. Aware of any time constraints you may have, our team will be able to complete all the relevant paperwork required to ensure your transaction is secured.

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

Mortgages for immigrants can be obtained through our specialist advisory service. Contact us today.

Mortgages For Non Residents

Mortgages For Non Residents - Mortgages for non residents are mortgages for non UK nationals seeking to purchase a buy to let or remortgage property within the UK. Mortgages for non residents are often difficult product to obtain and there can be significant jurisdiction associated with such products. Since the economic downturn, many lenders have decreased their available mortgages for non residents, seeing potential applicants as risks. To obtain the most suitable and affordable mortgages for non residents on the market, specialist advice and assistance may be required. This is where we can assist.

Our team have years of experience obtaining mortgages for non residents, from a range of nationalities and with a range of different individual needs and requirements. We are able to scour from our comprehensive panel mortgage base without prejudice or bias, finding mortgages for non residents suited for our clients.

Seekers of mortgages for non residents living within the EEA legally have the right to work and within the UK without having to overcome any difficulty in jurisdiction. On the other hand, for non EEA residents, documentation must be obtained to secure non residents the mortgage they require. Clients seeking mortgages for non residents living outside the EEA must have a visa or work permit and sufficient open ended permission to live in the UK. In addition, it would be of benefit to our clients were they to have a UK bank account or have lived in the UK previously.

We will guide and assist you throughout your application, from your initial enquiry until the completion of your application. Mortgages for non residents are our speciality. Our expert team will explain all the relevant terms and conditions associated with each mortgage package, completing all the paperwork 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.

Mortgages for non residents can be found through our specialist team. Call us today.

Mortgages For Non UK Citizens

Mortgages For Non UK Citizens - Mortgages for Non UK citizens are available from a number of mortgage lenders, yet chosing the right deal for one’s individual buy to let or residential property within the UK can often be a complex and difficult process. Since the credit crunch, criteria has become more stringent from lenders offering mortgages for Non UK citizens and many have become more risk averse and reluctant to lend to individuals off the High Street. To obtain mortgages for non UK citizens, specialist assistance may be required. This is where we can assist.

Our expert team have years of experience obtaining mortgages for non UK citizens from a range of nationalities and with a range of different financial circumstances. All clients must have the legal right to live and work within the UK when applying for mortgages for non UK citizens, with current funds in a UK bank account also likely to help your application.

Our expert team will scour our comprehensive panel mortgage base to find mortgages for non UK citizens which suit our clients bespoke individual needs and requirements. Our team have established outstanding relationships with a number of mortgage lenders offering mortgages for non UK citizens, often being able to acquire favourable packages not available to individuals on the High Street.

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

Mortgages for non UK citizens can be obtained through our specialist team. Call us today.

Mortgages For Non UK Residents

Mortgages For Non UK Residents - Mortgages for non UK residents are often difficult for individuals to obtain. There are a number of different jurisdiction difficulties potentially attached to mortgages for non UK residents. Banks and building societies throughout the UK have become increasingly reluctant and unwilling to offer suitable and affordable mortgages for non UK residents, with many left to require the services of a proficient mortgage broker. This is where we can assist.

Seekers of mortgages for non UK residents living within the EEA legally have the right to work and live within the UK without having to overcome any difficulty in jurisdiction. On the other hand, for non EEA residents, documentation must be obtained to secure a foreign national mortgage. Clients seeking mortgages for non UK residents living outside the EEA must have a visa or work permit and sufficient open ended permission to live in the UK. In addition, it would be of benefit to our customers were they to have a UK bank account or have lived in the UK previously. However, even with all the required paperwork, securing mortgages for non UK residents can be problematic for individuals.

We will guide and assists all our clients seeking mortgages for non UK residents from our comprehensive panel mortgage base. We are not tied to any one lender and put you, the client, first. Our team fully appreciate the difficulties and complexities of mortgages for non UK residents, vowing to complete all the relevant paperwork to ensure that your transaction is secured.

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

Mortgages for non UK residents can be found through our specialist team. Contact us today.

Mortgages for Spouse Visa Holders

Mortgages for Spouse Visa Holders - regards the obtaining of a mortgage by a British or Foreign national who are married or in a civil partnership with a non EU resident in the UK on a marriage or spouse visa - sometimes referred to as a spousal visa. There has been increasing reluctance since the credit crunch in lending to married couples of UK citizenship with those on spouse visa’s seeking mortgages individually through UK banks and building societies finding the process even more problematic. We offer a bespoke service to our ‘mortgage for spouse visa holder’ clients, using our established relations with many mortgage providers both nationally and internationally to increase your chances of a successful application.

Our brokers are experts at placing our mortgage for a client on a spouse visa with the right lender at the right rate, but importantly at the right time. Using our built up relationships with leading underwriting staff at many of the major mortgage spousal visa lenders, we are able to offer an end to end service for our clients.

We are fully aware of how difficult spouse visa mortgage applications can be. It is our specialist team responsibility to secure you the optimum financial and economical mortgage deal for your specific individual needs and requirements. We also guarantee that all documentation and paperwork will be completed for our foreign national mortgage clients within their required timescales.

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 spouse visa mortgage advisory team today. We are waiting to take your call

 

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