Mortgage with a UK Residence Card

Mortgage with a UK Residence Card

Capital Fortune have assisted clients obtain a mortgage previously who have a UK Residence Card, EU Residence Permit or UK Visa.

If you are in the UK and hold a Residence Card, Permit or Visa we maybe able to assist you.

Typically clients tell us that they find it difficult to obtain a mortgage given their residence card or permit. They often tell us that the lenders they have spoken to require permanent rights to reside in the UK before they can be considered for a mortgage. Sometimes, clients inform us they are close to the expiry date on their card or simply have a smaller 10% to 15% deposit and cannot find a lender willing to consider them for a mortgage.

Our team of mortgage advisers specialise in helping foreign national clients arrange a mortgage. We have established strong relationships with many lenders able to consider mortgage applicants who have a residence card or visa. Our team aim to increase your chances of success and speed up the mortgage process for you.

Aware of any time constraints you may have, our expert team will be able to advise and assist you throughout your mortgage application.

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

As an indication, we have provided a selection of mortgage rates for foreign nationals below.

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