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Crown Employee & Diplomatic Mortgages
Up to 95% LTV
Residential or Buy to Let
FCDO / Crown Employees Overseas
Diplomatic Service Employees
Standard UK Interest Rates
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
Step 1
Enquire Online
Step 2
Speak to an Advisor
STEP 3
We'll arrange the mortgage
I’ve now organized two buy to let purchases through Capital Fortune and can totally recommend their services. Anthony Yee, Sydney, Australia
We offer a bespoke and holistic service to all Crown Employees and individuals working in the UK Diplomatic Service seeking mortgages here in the UK. Clients tell us that although they remain UK tax payers and continue to be paid in Sterling, most of the UK banks penalise them while they are placed abroad.
They have often spoken to other brokers who have said they cannot help or offer much higher expat interest rates. This is because most UK lenders can only assist permanent UK residents and although some make concessions for the Armed Forces placed abroad, they treat Crown Employees like a typical expat.
Capital Fortune have established bespoke relationships with a number of lenders that have experience dealing with Crown Employees placed abroad and we can often assist with the same interest rates that typical UK residents are able to obtain. We have helped Crown Employees based all over the world, including applicants who are based, in what some lenders may deem, higher risk jurisdictions. Our team can source mortgages for clients both coming back to the UK and remaining in their host country.
The lenders we work with are flexible with the use of the property and understand that many Crown Employees may require temporary consent to let out the property, while they are finalising their overseas assignment. This flexible approach allows the applicant to move back into the property when they return to the UK.
They will also consider buy to let or holiday let mortgages, dependant on your preference and circumstances.
If you are a looking for a mortgage as a crown employee, contact us 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 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. Some are specifically designed for expats.
Using our comprehensive panel database, we will quickly advise you whether a private, mainstream UK bank or building society or international bank is best suited to your meet your individual needs and 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
Mortgage Application
We will apply for the mortgage on your behalf, submit the necessary documentation and liaise with the lender to obtain your mortgage offer.
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Rates are updated daily and can be withdrawn at anytime without notice by lenders.”
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 Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Brilliant Team
By: Alistair Bates
James and the whole team where absolutely fantastic. My case was not straightforward, however, they ....
For service - Mortgage to assist with: REASON_BTL_REMORTGAGE
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