Capital Fortune is a national and
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and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback96%
Altan Halil - Buy to Let Remortgage
Fanatstic service from both Ajay who identified the mortgage products and Stephen who pulled it all togeather with the paperwork. My situation was fairly ...Read More

Barrister Mortgages

Mortgages for Barristers are mortgages for barristers. Barrister mortgages are available to Barristers who are registered with the Bar Council and practising in the UK. Mortgages for Barristers is a specialist area at Capital Fortune.

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What Our Customers Say

Gordon Thompson - Purchase
Excellent service everyone very helpful, polite, and professional would certainly recommend them. Ajay,Stephen, Alex, Anna,thankyou . ...Read More
24 days ago

Customer - Purchase
I am over the moon that l looked you up when l was looking for help getting our mortgage.. You were so helpful to us and replys were quick...l recomend your company to anyone who is trying to get ...Read More
24 days ago

Customer - Purchase
Very professional service from Peter Bartlett and Alex Friday. Quick to respond to any queries we had. Thank you for your help in securing a mortgage for us. Would definately recommend Capital Fortune. ...Read More
25 days ago

Alicha Smith - Buy to Let Remortgage
Excellent service and support from all the team especially James Drury and Stephen Marsh. Very knowledgable and efficient and happy to spend time explaining things and answering questions. ...Read More
1 months, 2 days ago

Find out more

What are Mortgages for Barristers?

Barristers mortgages are mortgages for barristers. Barrister mortgages are available to Barristers who are registered with the Bar Council and practising in the UK. Mortgages for Barristers is a specialist area at Capital Fortune.

We understand the legal market. We particularly understand the remuneration structure of Barristers in private practice. Barristers requiring mortgages need to satisfy the mortgage lender that the loan is affordable, however, often Barristers need to rely upon their gross earnings receipts which can be significantly higher than net income.

The costs for chambers, travel, legal subscriptions and subsistence often reduce the net figure down to around 30- 40%. As a result, standard mortgage income multipliers applied to the net income of Barristers can be unfair, as they do not reflect a barrister’s true earnings capacity.

Renumeration Package

This coupled with the Barrister’s Aged Debt simply does not reflect either the earnings capacity or net asset worth of a trading Barrister. Mortgages for Barristers need to reflect the unique remuneration package received by barristers. Often a degree of diplomacy and negotiation is required when dealing with a Barristers internet mortgage application to a mortgage lender.

At Capital Fortune, we appreciate that ongoing trading costs are not immediate and Chambers rent is often paid on the previous quarter’s earnings not the current quarter. Other costs are incurred throughout the year and as a result, Barristers through their distinct method of trading have almost a rolling credit facility being operated which can justify a home mortgage lender to assess affordability on a gross earnings basis as opposed to a net income multiplier.

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Q. C’s and High Court Judges

Capital Fortune deal with a significant number of Barrister’s including Q. C’s and High Court Judges many of whom are happy to provide testimonials to our service. We have made mortgages for barristers is a specialist area within the Company and as a Barrister obtaining a mortgage you will receive our premier service.

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Save time and inconvenience

We understand the pressures of the profession and understand that when arranging a mortgage deal our Barrister clients want to be sure in the knowledge that their home mortgages UK – wide will not only save them money, but also save them time and inconvenience.

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All Barristers as part of or our Capital Fortune premier service can be dealt with over the telephone or visited at Chambers after Court. We will strive to take the difficulty and time element out of the mortgage application. We will obtain all the necessary documentation from you after our first discussion and will avoid cascading you with a range of further information during the internet mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you.

We will obtain the most suitable and affordable mortgage product using a home mortgage lender from our online mortgage service list of providers. We can also obtain our best value mortgages specifically only offered to Barristers, which are not available on the High Street or through banks.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.38%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.38%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMay-20215.69%4.8%31-May-2021 £999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%Discount2 years 5%4.43%2 years £0
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.44%FixedJul-20214.24%3.9%31-Jul-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
NatWest Intermediary 2 Year Fixed £995 Fee Purchase £250 Cashback CNW1.44%FixedJun-20214.24%3.9%30-Jun-2021 £995
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.44%FixedMay-20214.99%4.4%31-May-2021 £995
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers BNW1.44%Tracker2 years 4.24%3.8% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £1495 Fee YBS1.4%
then 4.99
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.44%
then 4.24
(variable)
FixedRead More
NatWest Intermediary 2 Year Fixed £995 Fee Purchase £250 Cashback CNW1.44%
then 4.24
(variable)
FixedRead More
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.44%
then 4.99
(variable)
FixedRead More
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