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Mortgages for Seafarers and Yacht Crew
Seafarers and Yacht Crew
Non UK Residents Considered
Non UK Tax Payers Considered
Seafarers Earnings Deduction Considered
Income Considered in Dollars, Euros and Other Currencies
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
Mortgages for Seafarers and Yacht Crew
I’ve now organized two buy to let purchases through Capital Fortune and can totally recommend their services. Anthony Yee, Sydney, Australia
We have assisted a number of clients who are seafarers and yacht crew working offshore worldwide. They typically are either resident in the UK, but due to the nature of their work are out of the UK more than 180 days a year or they reside overseas. They usually work on rotation with a number of weeks/months on and a number of weeks/months off. Income is typically received in Euro’s, US Dollars or other currencies.
Clients often tell us that they have struggled to obtain a mortgage given their status as a non UK tax payer, the fact they may not be paid whilst onshore, their income is in a foreign currency and they may work under contract. They tell us that most lenders want them to be UK tax payers and resident in the UK in order to consider a mortgage for them. We work with a number of lenders who are able to consider individual circumstances and are aware of the various tax exemption rules and can consider mortgages for seafarers and yacht crew.
Capital Fortune are a blessing…I feel like I’ve got the best rate on the market and a very personable and friendly service.
Reuben, South London, SE27
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.
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.
They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I’ve taken out.
RH, Stanmore
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.
We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London
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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