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Mortgages for British Expats in Dubai
I’ve now organized two buy to let purchases through Capital Fortune and can totally recommend their services.
Anthony Yee, Sydney, Australia
It can often be difficult for UK expats in Dubai to secure on properties in the UK.
Clients often tell us that buying or remortgaging a property in the UK if they’ve moved abroad can be time-consuming and frustrating, especially if they are paid in UAE Dirhams
The lack of a permanent UK address can also hinder mortgage applications while many of the usual credit checks that lenders in the UK run do not work when the applicant lives in Dubai
It can also be particularly tricky for residents in the UAE to provide a suitable proof of address due to the different postal system compared to the UK.
Capital Fortune are experts in helping Dubai residents secure mortgages in the UK.
We can assist if you are buying or refinancing a rental property, using both the rental income received and your personal income to support the mortgage.
We can further assist customers keeping a residence in the UK, having a family member live in the property or if they are planning to come back to the UK full time but are currently living in Dubai.
If you are living in Dubai and are looking for a mortgage in the UK, contact our team today!
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:
1 | Indicative 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. | |
2 | Approval 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. | |
3 | Full 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.
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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.
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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