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Non Sterling Income Mortgages

Up to 90% LTV

Non Sterling Income

Base Salary, Bonus, Pension

Residential, Buy to Let & Holiday Let

Dollar, Euro & Other Currencies Considered

As Featured
Get competitive rate mortgages

Award-winning services

No obligation

Non Sterling Income Mortgages

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 clients seeking mortgages who may be paid in part, or in full, in a currency other than sterling. The new Mortgage Credit Directive (MCD) issued by the EU has resulted in a number of lenders being unwilling to consider income earned in any other currency than sterling. There remains a number of competitive options available, however. Typically, we deal with clients who are either based in the UK or overseas and receive an element of their income in a non sterling currency such as, but not restricted to, US Dollars or Euros. They often tell us they are finding it difficult to obtain a suitable mortgage and they are frustrated that the lenders they have approach will not consider their non sterling income. Our team can source mortgages for clients who receive non sterling income, or who have savings and investments overseas and wish to use these as a repayment vehicle for an interest only mortgage.

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A professional and smooth process…from start to finish.
Mrs P Ustunkal, Turkey
Despite the challenges imposed by new regulation, a number of lenders have remained in the non sterling income market and mortgages can be potentially sourced whether you are employed, self employed or even retired and receive a non sterling income.

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 non sterling income earners.

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:

1Indicative 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.
2Approval 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.
3Full 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.

Read all 1549 reviewsOur customers have
rated our service
An organisation who helps to realise your dreams!
The remarkable online feedback for Capital Fortune depicts strong story which otherwise is hard to believe until you start doing business with them. I engaged Capital Fortune for my mortgage matter and my journey throughout has been incredible. Whilst the entire organisation is extremely professional and friendly, I will like to call out special thanks to. ...Read More
Amit Parab - Buy to let remortgage

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What our customers say

First class service.
James Drury and Stephen Marsh did a wonderful job obtaining my mortgage, on two homes for me. They always get back to you and explain everything thoroughly and take excellent care of there clients... Five star service. ...Read More
Customer - Purchase
2 days ago

A speedy and professional service.
A personal but entirely objective and professional service was provided by James and Stephen. All matters were dealt with promptly and the transmission of sometimes lengthy documents was facilitated by the company’s efficient computer system. In all, a sometimes ...Read More
Geoffrey Willis - Purchase
9 days ago

Very happy 66 year old customer.
Capital Fortune managed to get me a very good mortgage when nobody else could. Its like after 45 years in business and at the age of 66 you have gone past the sell by date for mortgages. Capital Fortune took all my ...Read More
Guy Shaw-Browne - Remo
16 days ago

Find out current Rates

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.

Quick Decisions with No Credit Scoring

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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