Foreign Nationals

Mortgages for Tier 1 Visa Holders

Mortgages for Tier 1 Visa Holders - Capital Fortune have assisted many clients obtain a mortgage over the years who reside in the UK with a Tier 1 visa in their passport.

We have helped clients who are coming to the UK, may have just arrived in the UK or may have limited time left on their visa to remain in the UK.

We typically assist clients to arrange a mortgage up to 90% of the value of the property they wish to purchase - so a minimum deposit of 10% is required.

We offer a specialised service to our customers seeking a mortgage on a tier 1 visa. Our advisory team have built up outstanding relationships with senior underwriters at many providers nationally and internationally. As well as obtaining our clients the most efficient and cost effective rates possible, we will further enhance our client’s chances of a successful transaction through tough economic times.

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

To contact a member of our mortgage advisory team, call us today.

 

Mortgages for Tier 2 Visa Holders

Mortgages for Tier 2 Visa Holders - Many Capital Fortune clients have asked us to assist them in obtaining a mortgage over the years as they are resident in the UK with a Tier 2 visa.

We have helped clients who are coming to the UK, may have just arrived in the UK or may have limited time left on their visa to remain in the UK.

We typically assist clients to arrange a mortgage up to 90% of the value of the property they wish to purchase - so a minimum deposit of 10% is required.

We offer a dedicated service to our clients looking for a mortgage on a tier 2 visa. Our advisors have established relationships with senior underwriters at many lenders nationally and internationally who can consider applicants on a tier 2 visa. As well as obtaining our clients the most efficient and cost effective rates possible, we will further enhance our client’s chances of a successful transaction through tough economic times.

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

To contact a member of our mortgage advisory team, call us today.

 

Mortgages Tier 2 Visa

Mortgages Tier 2 Visa - Mortgages tier 2 visa refers to foreign nationals who are in possession of and are seeking mortgages to purchase a residential or buy to let property within the UK. Mortgages tier 2 visa applicants are facing increasing difficulty in obtaining the right finance and loan package for their specific requirements, increasingly requiring the services of a quality mortgage broker who understand mortgages tier 2 visa issues.

Non EU nationals and those who have obtained a tier 2 visa seeking to secure a mortgage application will require certain documentation to be provided. A UK work permit or tier 2 visa with sufficient open ended permission to live in the UK is essential for a mortgage to be obtained. The mortgages tier 2 visa applicants could also find more suitable rates and a greater chance of a successful application with funds in a UK bank account or if they have previously lived within the jurisdiction.

We understand that mortgages tier 2 visa seekers 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 mortgages tier 2 visa transaction. We offer a holistic service to all our clients, using our comprehensive panel base to find you the best financial result.

Our team fully understand how difficult it can be for tier 2 visa applicants to secure finance. This is why our team will advise you on the full application through to completion. We also guarantee to fill out all the critical paperwork required for your mortgages tier 2 visa, saving you taking the stress our of the transaction.

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 and contact a member of our mortgages tier 2 visa advisory team.

Mortgages Work Permit

Mortgages Work Permit - Mortgages work permit refers to the available mortgages sought by individuals having obtained a work permit to live and work within the UK. Since the economic downturn, it has become increasingly difficult for those seeking mortgages, work permit, or not to acquire the best available deals on the market. Many applications for mortgages have been rejected for UK and non UK citizens, leaving the services of a premium mortgage broker to often be required. We offer a holistic and personalised service to all clients seeking mortgages having obtained a work permit to live and work within the UK, seeking to purchase either a residential or buy to let property. Our role is to obtain the optimum financial result for you.

As specialists in the foreign national mortgage market, we know our clients seeking mortgages. Work permit jurisidiction makes these mortgage packages more complex and difficult often than other mortgage packages, yet our team have the knowledge and expertise to find the most suitable and affordable deal for your individual needs and requirements. As a comprehensive panel of lenders foreign national mortgage broker we work without prejudice and put you, the client, first.

Aware of the complexities attached with such mortgages, we will guide and assist you throughout your application. We will speedily advise you as to whether a UK or international bank account, private provider of mortgages for individuals with a work permit or local building society will most suit your application. Furthermore, our team will be able to complete all the relevant documenation required to secure your mortgage, saving you time, money and hassle.

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

Our team are experts in obtaining mortgages, work permit or not. Call us today

Non Resident Mortgage

Non Resident Mortgage - Non resident mortgage refers to an EU or foreign national non resident looking to purchase a property within the United Kingdom. Individuals seeking a non resident mortgage are often surprised by the complexity of the UK mortgage market. Those seeking a non resident mortgage are increasingly requiring the services of a quality mortgage broker with significant experience in the non resident mortgage market.

Our non resident mortgage team are experts in placing our clients with the right lender at the right time, but importantly at the right rate. Using our comprehensive panel base we are not tied to any non resident mortgage lender. We are comprehensive panel brokers and we can seal the best non resident mortgage deals for you. We offer an advice service to ensure that our customers gain the most suitable and affordable package for their finance and banking solutions.

Those seeking to secure non resident mortgage finance with an EU passport should not find difficulty when completing their non resident mortgage application with us. On the other hand, foreign nationals must obtain certain documentation. A UK visa or work permit with open ended permission to live in the UK is essential for a non resident mortgage to be secured. The applicant could 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.

Our advisory role allows us to recommend whether a private non resident mortgage lender, UK or international bank or building society will be most suited to your individual needs and requirements. Furthermore, using our established and stable relationships with many senior underwriting staff at leading lenders of non resident mortgage deals, we are able to offer our customers the most competitive and cost effective mortgage package for their transaction.

We will complete all the necessary documentation required for your non resident mortgage all within your given 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 a member of our non resident mortgage team today. Our advisers await your call.

Tier 1 Visa Mortgage

Tier 1 Visa Mortgage - Tier 1 visa mortgage solutions are available to individuals living in the UK on a tier 1 visa. Tier 1 visa mortgage providers require that applicants have a minimum of 3 years employment within the UK and at least 2 years left on an applicant’s tier 1 visa. Furthermore, the increasingly risk averse UK lending institutions are unwilling to lend to UK citizens with good credit ratings, let alone non UK applicants in the UK on a tier 1 visa. The economic downturn has seen this trend likely to continue for some time, making it more necessary for individuals seeking a tier 1 visa mortgage to require the services of a quality mortgage broker.

This is where we can assist. Our team have years of experience helping foreign national clients obtain mortgages and individuals seeking a tier 1 visa mortgage. We have years of experience and the knowledge and expertise required to obtain a tier 1 visa mortgage in the UK, building up established relationships with a number of mortgage institutions to obtain favourable tier 1 visa mortgage deals for our clients.

Aware of any time constraints, as well as the complexity of the tier 1 visa mortgage market, our team will guide and assist you throughout your tier 1 visa mortgage application from your initial enquiry until the completion of your application and beyond. We will speedily yet carefully advise you as to which provider of tier 1 visa mortgages suits your individual needs and requirements best, before filling in all the required documentation to complete your application, all within your given 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 tier 1 visa mortgage team look forward to taking your call. Contact us today.

Tier 1 Visa UK Mortgage

Tier 1 Visa UK Mortgage - Tier 1 visa UK mortgage refers to those with a tier 1 visa looking to buy or remortgage a property in the UK. It is becoming increasingly tricky for the individual to secure a tier 1 visa UK mortgage. Many providers of these mortgages require that applicants have a minimum of 3 years employment within the UK and at least 2 years left on your tier 1 visa. Furthermore, the increasingly reluctant and risk averse high street banks and building societies are unwilling to lend to UK citizens with good credit ratings, let alone tier 1 visa non UK applicant individuals. The credit crunch has seen this trend likely to continue for some time, making it more necessary for the tier 1 visa UK mortgage applicant to require the services of a quality mortgage broker.

We offer a specialised and holistic service to our customers seeking a tier 1 visa UK mortgage. Our advisory team have built up outstanding relationships with senior underwriters at many providers nationally and internationally of a tier 1 visa UK mortgage. As well as obtaining our clients the most efficient and cost effective rates possible, we will further enhance our client’s chances of a successful transaction through tough economic times.

Furthermore, our tier 1 visa UK mortgage team appreciate the stress and time constraints the individual has when aiming to obtain a successful application. Apart from quickly advising our customers whether a UK or international bank, building society or private firm will be best suited for their individual needs and circumstances, we can fundamentally guarantee that all the required documentation and paperwork of your application will be filled in for you, according to your tier 1 visa UK mortgage timescales.

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

To contact a member of our tier 1 visa UK mortgage advisory team, call us today.

UK Ancestry Visa Mortgage

UK Ancestry Visa Mortgage - UK ancestry visa mortgage refers to individuals on a UK ancestry visa seeking a mortgage to purchase a property within the UK. It has become increasingly difficult for the UK ancestry visa holder as an individual to gain a cost effective mortgage rate. Recent economic troubles has seen risk averse banks and high street lenders reluctant to lend to UK ancestry visa holders. In addition, even when high street lenders do lend to individual UK ancestry visa mortgage seekers, this can often be at a higher rate than of interest.

This has seen an increasing need for UK ancestry visa mortgage applicants requiring the help of a mortgage broker to deal with their application. We offer a bespoke and holistic service using our comprehensive panel mortgage base to our clients. Our expert team of UK ancestry visa mortgage advisers have built up outstanding relationships with many providers and senior underwriting staff at many UK ancestry visa mortgage lenders. This not just increases the chances of a successful application for our clients, but also will often see our customers gain the optimum financial result for their UK ancestry visa mortgage.

Our team can help our clients find the right lender at the right time, and importantly at the right rate. Appreciative of the time constraints and worries of which our UK ancestry visa mortgage customers may have, we will guide and help you throughout your mortgage application. As well as quickly advising whether a private UK ancestry visa mortgage lender, UK or international provider will be best suited to your individual needs and circumstances, our team will also ensure all the critical paperwork is completed for your successful transaction. This will be completed 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.

Contact a member of our UK ancestry visa mortgage advisory team today. We are waiting to take your call.

Work Permit UK Mortgage

Work Permit UK Mortgage - Work permit UK mortgage refers to a mortgage sought by foreign nationals, having obtained a work permit and seek to purchase a residential or buy to let property within the UK. Those seeking a work permit UK mortgage have found it difficult to obtain a cost effective solution to their financial and banking needs within recent years. Banks and building societies have become more risk averse since the credit crunch and many seekers of a work permit UK mortgage are increasingly requiring the services of a mortgage broker. This is where we can help.

It can be difficult for those coming to live in the UK to have success in the UK mortgage market, especially without assistance. Our work permit UK mortgage advisers are experts in providing our clients with the right lender at the right time and importantly at the right rate. Using our comprehensive panel base, we will speedily be able to advise our clients whether a private work permit UK mortgage lender, UK or international bank or building society will be most suited to your individual needs and circumstances.

Our advisers have also built up strong and established relationships with many providers and their senior underwriters offering a work permit UK mortgage. It is our role to find our customers the optimum financial, suitable and affordable solution when seeking a work permit UK mortgage. Once an achievable rate is required by our team, we also ensure to complete all 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 Enquire Online.

Seeking a work permit UK mortgage? Call one of our advisers today.

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