RAF Mortgages

Up to 95% LTV

Use of LSAP & Pension

Permission to Let

Limited UK Credit History

Applications Allowed from Overseas & BFPO Address


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RAF Mortgages

It was quite an easy decision to make….the run of the mill mortgage brokers really were not 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

Typically, the RAF personnel we successfully assist tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. They know that a number of lenders are unfamiliar with the remuneration, banding and additional allowances structure of the profession particularly for those living and working on an RAF or military base at home or abroad. They advise us of the added complexities when they come to apply for finance from a base or BFPO address or have a number of previous residential addresses due to deployments. Applying from outside the UK may have caused them added complications with credit agencies scoring the application low, due to effectively being treated as a UK expat during this time. RAF personnel requiring mortgages need to satisfy the mortgage lender that the loan is affordable however, often they may need to rely upon their employed income with an array of temporary and non-permanent allowances and their significant pay deductions often taken at source by the MOD. In many cases, actual income may be significantly higher than their net package and to consider net income alone becomes unfair.

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