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.

Expat in Malaysia Buying New Build Flat

on 25 March 2017.


Do you provide any buy-to-let mortgages that are based solely on rental income rather than affordability? I'm looking for 60% on a £325K new build completing in August. I'm a UK citizen based in Malaysia.

Hope you can help. 



Ask the Specialist response:

Hi Michael

Thanks getting in touch.

Capital Fortune have successfully assisted a number of British Expats in Malaysia and South East Asia. We are able to assist clients looking solely at the rental income rather than affordability, however, th higher your income and affordability the better the interest rate you would ultimately end up paying. 

In the event of there being a lack of affordability, a higher rental stress test is also often required to bridge a wide enough buffer in the event of there being a rental void.

If you just wish to obtain an indication on whether we are able to assist you, given your specific circumstances, I'd recommend speaking to one of our Advisers on 0044 20 77 100 400 or send us an enquiry online and one of our Advisers will call you back.

Capital Fortune