Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

Do you have flexible expat mortgages?

on 22 April 2014.

Hi, I am British national living abroad.

I have a house in the UK which I am selling and then intend buying another property in Central London.

I currently have an HSBC interest only mortgage at 0.6% above bank rate.

I prefer a mortgage which will allow me to make large deposits (over payment) and to be able to withdraw this excess at any stage.

Do you have such products?

Nazmi


Ask the Specialist response:

Nazmi - many thanks for the query.

This is quite a complex one given your residency overseas and requirement for some form of flexibility in making mortgage overpayments and also potentially borrowing back at a later point.

It maybe something we can assist with depending on your status (income, credit history etc.). We do work with a lender that may consider a mortgage for you that allows the flexibility you have requested.

I would suggest you speak to one of our Advisers for an immediate and up to date response. You can contact them by either calling +44 203 216 2037 or you can send us an enquiry online.

You may also want to contact your existing mortgage provider.

Alternatively, to obtain a simple indication on expat mortgage rates you can check our selection of expat mortgage rates on our website - note these may not offer the flexibility you require - do contact us if you require further detail.

David Rostron MEng(Hons) CeMAP CeRER
Business Manager