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UK Expat Mortgages

Residential up to 90% LTV

Buy to Let up to 80% LTV

Repayment and Interest Only

All Currencies Considered

All Countries Considered

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UK Expat Mortgages

I’ve now organized two buy to let purchases through Capital Fortune and can totally recommend their services.
Anthony Yee, Sydney, Australia

Capital Fortune are specialists in assisting UK Expats based abroad secure mortgages on properties in the UK

Clients tell us it can be really difficult for UK expats to secure mortgages on properties in the UK. Many of the bigger banks do not have the ability to lend to anyone who either does not pay UK tax, is not paid in GBP Pound Sterling or is not fully registered and living at a UK address.

In addition, we often hear that many mortgage brokers either do not have access to expat mortgages or are not equipped to manage the extra administration in the process. They may find it harder to check your financial status, employment and credit history.

As a result, it is particularly important to receive specialist advice. 

Different lenders have different rules depending on:

How long you have been out of the UK for

The country you are based in

The currency you are paid in 

The size of your employer 

The UK credit you have maintained whilst living outside of the country.

Unlike with straightforward UK based mortgages, it can be more difficult to find the best mortgage rates you’d be entitled to. This is where a specialist expat mortgage broker comes in. 

Capital Fortune have established and exclusive relationships with a number of lenders that have experience dealing with lending to expats.

These include several smaller building societies and specialist lenders who are not available on the open market.

There are two types of UK expat mortgages available:

Firstly, residential mortgages. These apply to customers who are based abroad who are either purchasing a bolthole which they will use when they are in the UK or a property which will be lived in by a family member who continues to live and/or work in Britain. 

If you are paid in a currency other than sterling, your ability to afford the repayments will be affected by the exchange rate between the pound and the currency you are paid in. This means that most expat lenders will lend you a mortgage on a smaller proportion of your salary than if you were earning in the UK. 

With different criteria for different lenders it is important to get the right UK expat mortgage advice.

We also help with buy to let mortgages. This applies to properties which are rented out either on a long or short term basis whilst you are outside of the UK. 

This can apply to the property which you used to live in before you emigrated, existing buy to lets owned or new investment properties being purchased. 

It has got significantly harder for expats to secure buy to let mortgages in the last 12 months due to the increase of global interest rates. 

Many mortgage lenders require high rental yields which are particularly hard to obtain unless significant deposits are used.

Capital Fortune have the ability to assist customers on a true affordability basis, enabling those on higher incomes to borrow significantly more than what many of the typical buy to let mortgage lenders would offer on a yield based only calculation.

If you are looking for UK Expat mortgage advice, contact us today!

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A professional and smooth process…from start to finish.
Mrs P Ustunkal, Turkey
Despite difficulties with credit scoring applicants and jurisdictional issues, a number of lenders have remained in the ex pat market and mortgages can be potentially sourced whether you are employed, self employed or even retired.

As you would expect with an award winning company, all our finance is arranged through fully authorised, regulated mortgage lenders, whom can offer Capital Fortune, exclusive products and rates.

As a comprehensive panel of lenders broker in this area, we know our lenders and lending criteria. Importantly, we appreciate the ambiguities and difficulties in this area of UK lending and work to provide an appropriate solution. We regularly assist clients with mainstream and complex finance and we are UK specialists in arranging mortgages for clients with non standard requirements.

I’d like to introduce you to my friend Anna, given you’ve been so helpful with my mortgage.
Lesley, Dubai
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 Broker Prime and Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards and British Mortgage Awards respectively.

There are three stages to our award winning process:

1Indicative Rate
Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility of what they are looking to do, undertake detailed research on the potential rates, confirm we can safely assist and importantly, express how we operate.
2Approval in Principle
This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone to fully assess needs and requirements. Once complete, we undertake research across a comprehensive panel of lenders to recommend the right mortgage. A detailed illustration is provided which we will take you through. If you are happy with the illustration we will then request documents from you to support the application. On receipt of the documents we will obtain formal approval in principle from the lender.
3Full Application
We will process your full mortgage application and liaise directly with the lender on your behalf. We organise the valuation and deal with any issues that may arise during the mortgage application.

We still appreciate however, we are not right for everyone and typically we best assist clients

  • With non-standard/non-traditional requirements;
  • That are time pressed and need the most competitive and quick
  • results; or
  • That just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through all the complexities within the mortgage process.

We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with Financial Conduct Authority (FCA) guidelines and best practice.

For help and assistance, call us today on 0207 710 0400 to speak to one of our Mortgage Advisers.

Read all 1546 reviewsOur customers have
rated our service
An organisation who helps to realise your dreams!
The remarkable online feedback for Capital Fortune depicts strong story which otherwise is hard to believe until you start doing business with them. I engaged Capital Fortune for my mortgage matter and my journey throughout has been incredible. Whilst the entire organisation is extremely professional and friendly, I will like to call out special thanks to. ...Read More
Amit Parab - Remo

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What our customers say

Excellent service! 10/10
Our mortgage application was managed by James Drury and Stephen Marsh. From the initial call with James through to our subsequent dealings with Stephen, the whole process was very smooth and clear. The dashboard to upload required information was easy. ...Read More
Andy E - Purchase
17 days ago

Superb service
We were guided superbly through the entire mortgage application process by James Drury and Stephen Marsh. We are delighted to have received our mortgage offer. Many thanks. ...Read More
Customer - Purchase
17 days ago

Definitely recommend them.
Great service, very organised and professional with prompt communication and clear explanations. ...Read More
Stuart Wright - Buy to let remortgage
19 days ago

Find out current Rates

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.

Quick Decisions with No Credit Scoring

In assessing your requirements, we do not use credit scoring and we can provide an accurate estimate of the amount of borrowing and the viability of your requirements, without effecting your credit score.

We avoid credit searches at the initial stages given that numerous credit searches will impact your ability to access cheap credit. It is clear that too many credit applications in a short period of time will impact your score and whilst it is important to shop around, formal applications for a mortgage can trigger rejections, as it gives the impression you may be desperate for credit. It is essential when making enquiries for any financial product, that the Company does not credit score you, until such time as you have agreed to make a formal application.

We can indicate your chances of approval prior to any application being made and where necessary, can obtain decisions in principle from lenders who do not use credit scoring.

 

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