Mortgages for Highly Skilled Migrant Visas and Foreign Nationals

Mortgages for Highly Skilled Migrant Visas and Foreign Nationals

Capital Fortune is a bespoke mortgage broker based in the City of London specializing in securing mortgages for workers in the UK on Highly Skilled Migrant Visas and Foreign Nationals. We have arranged mortgages for foreign national clients in a variety of situations including:
  • Up to 90% loan to value
  • No minimum time in the UK
  • No minimum time remaining on your UK visa
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 UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards 2011.
 
Capital Fortune are a blessing..I feel like Ive got the best rate on the market and a very personable and friendly service Reuben, South London
 
Our clients understand it is difficult to obtain a mortgage if you are not a UK national without permanent rights to remain.
Mortgages for highly skilled migrant visa workers on Tier 1 or Tier 2 Highly Skilled Visas are a specialist area within UK mortgage lending and that is where we can help. There are specific criteria to qualify for a highly skilled migrant visa mortgage including your occupation, country of origin, the date you entered the country and the time remaining on the Visa. Our Advisers will take you through all the options available. We can be called on our national low rate number or request a call back online, using the general enquiry form or call back request.
 
Clients who make contact in similar situations, typically tell us of their frustration at the current restrictions on finance for non-UK nationals. They usually have an appropriate income to support the mortgage and have a healthy deposit. They do not understand why the vast majority of UK lenders will not consider their ties here in the country or their individual circumstances. The UK immigration process with differing types of visas and rights of residency can be a detailed and complex area when it comes to obtaining mortgage finance.
 
It was quite an easy decision to make.the run of the mill mortgage brokers really werent 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
 
In order to qualify and for us to assist, earned income must be sufficient and be derived from either employment or self employment. We have experience in placing clients in these circumstances, with national lenders whom are able to offer a range of mortgages and these can be available with as little as a 10% deposit.
 
Typically, we will ensure you meet the mortgage lenders criteria and our provisional assessment will be based on the affordability of your mortgage payments and the extent of your right to enter, live and work in the UK. Our Advisers will quickly tell you, whether you will qualify on any of the schemes we have on offer. Call us today on our low call rate number for our provisional assessment on whether you qualify and whether we can help.
 
They arranged a remortgage for us. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage Ive taken out RH, Stanmore
 
At Capital Fortune, we know our lenders, we know our criteria and our rates. We have assisted a large numbers of clients who are foreign nationals from countries including Australia, the US, New Zealand, South Africa, Canada, Brazil, India, Malaysia, China, Russia, Ukraine and many other nation states. Because of our relationships with lenders, we can often secure clients in these situations mortgages at standard rates.
 
We refuse to allow lenders to charge more, simply because our clients are on a working visa. On speaking to one of our Advisers you will quickly realize our impartiality is fundamental to us and we choose to solely act on your behalf.
 
They were so helpful and so friendly. We felt we were talking to friends rather than just some firm trying to make money from us Mrs Harris, North London
 
Whatever the reasons, we know our market and understand our lenders and we ensure we place the right client with the right lender, at the right rate and at the right time.
 
Our experience offering mortgages for Skilled Visa workers means we must first check that the mortgage is affordable and suitable. This will require regular income from employment or in self employment.In deeming whether a mortgage is both suitable and affordable, mortgage lenders have to be sure that there is some form of track record to earned income. Many mortgage lenders show reluctance in underwriting these cases given concerns around the sustainability of the income stream and we will need to assess whether it is guaranteed and what your long term plans are here in the UK.
 
What I believe is so special is that they really care about people Dalia, Hampstead
 
We understand these difficulties and our ability to contact senior underwriters to discuss you particular case and rights to remain under the Visa, with them directly, allows us to save you time, money and disappointment. We will immediately know what lenders are likely to accept your type of Visa and which lender will agree our application. This may be with one of our mainstream lenders, an offshore international mortgage solution or depending on your circumstances, we may place you with one of our private banks. To discuss the options, call us on our national low rate number or request a call back online, whatever suits you best.
 
On calling us, we will assess your circumstances and confirm whether it meets the criteria. If so, and on deciding you want us to assist, we will provide you with a mortgage illustration which will include all the details and costs involved in the UK mortgage. This will include the exact rate payable from the outset and importantly your monthly mortgage payments. We will need to take you through the mortgage product in fine detail.
 
 

For assistance on our mortgages for Skilled Workers, call us today on 020 77 100 400 or Enquiry Online.

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