Spousal or Spouse Visa Mortgages

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

Clients we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether they qualify for a specific deal, particularly if they have limited leave to remain in the UK. Typically they tell us they are confused as to why lenders seem to have different rules when lending to foreign nationals when compared to UK nationals. They just want the overall best mortgage based on their needs and requirements but appreciate the risks in being declined by a lender. They often ask us to assist them in obtaining a mortgage of up to 95% of the value of a house or flat with a Tier 1, Tier 2, Tier 5, Spousal, Dependent, Ancestry or Entrepreneurial visa – with no minimum time requirement in the UK or remaining on their visa. They may have spoken to a number of brokers without success, before making contact with us. Our foreign national mortgage advice service is based not only on knowing all the mainstream UK lender’s criteria but also on our ability to access bespoke mortgages for non standard and unusual situations.

We are now on our second mortgage with Capital Fortune and recommend them to friends and family. EHB, London

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. 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.