Capital Fortune is a national and
award winning mortgage, buy-to-let
and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Gavin Thompson - Buy to Let Remortgage
Fast to respond, took the time to explain things in detail. Did not rush me and was flexible in making time to talk given ...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

Margaret Benting - Buy to Let Remortgage
Mine has been a very difficult case - not because of Peter but due to my Solicitors - but Peter has come through with the goods - I have to thank him very much. Throughout the 12 months process Anna has ...Read More
1 months, 6 days ago

Colin Saw - Purchase
The service provided by Capital Fortune was way beyond exceptional and we would throughly recommend them. ...Read More
1 months, 7 days ago

Customer - Buy to Let Remortgage
I couldn’t recommend capital fortune enough, we always receive a professional and dedicated service that inspired confidence. You are assured of the best product on the market for you with an excellent customer service. ...Read More
1 months, 9 days ago

Stephen Hope - Purchase
From my first call with James Drury i felt confident that Capital Fortune completely understood my situation and that they had excellent knowledge of the lending landscape in the UK. Service from James and Stephen Marsh was excellent throughout and ...Read More
1 months, 24 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
LenderInitial RateTypeForThenAPR*ERC*Fee
Chorley BS Intermediary 2 Year Discount 0.75% Fee BCO2.05%Discount2 years5.99%5.5%2 years £750
Chorley BS Positive Lending Intermediary 2 Year Discount 0.75% Fee BCO2.05%Discount2 years5.99%5.5%2 years £750
Beverley BS Complete FS 2 Year Discount £995 Fee Purchase BBV2.07%Discount2 years5.24%4.9%2 years £995
Beverley BS 2 Year Discount £995 Fee Purchase BBV2.07%Discount2 years5.24%4.9%2 years £995
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG2.23%Discount2 years5.99%5.41%2 years £0
Progressive BS 2 Year Discount No Fee Purchase BPG2.23%Discount2 years5.99%5.41%2 years £0
Stafford Railway BS 2 Year Discount £100 Fee SRB2.24%Discount2 years3.75%3.6%2 years £100
Progressive BS 2 Year Variable No Fee Purchase Foreign Currency Loan BPG2.33%Discount2 years5.99%5.43%2 years £0
Newbury BS 3 Year Discount £600 Fee Purchase London BNE2.34%Discount3 years4.45%4%3 years £600
Newbury BS 5 Year Discount £600 Fee Purchase London BNE2.34%Discount5 years4.45%3.7%3 years £600
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
Chorley BS Intermediary 2 Year Discount 0.75% Fee BCO2.05%
then 5.99
(variable)
DiscountRead More
Chorley BS Positive Lending Intermediary 2 Year Discount 0.75% Fee BCO2.05%
then 5.99
(variable)
DiscountRead More
Beverley BS Complete FS 2 Year Discount £995 Fee Purchase BBV2.07%
then 5.24
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Lloyds Bank Direct 10 Year Fixed £995 Fee Purchase CTE3.7%
then 5.74
(variable)
FixedRead More
Lloyds Bank Direct 10 Year Fixed No Fee Purchase CTE3.75%
then 5.74
(variable)
FixedRead More
NatWest GREEN Direct 5 Year Fixed £995 Fee Purchase CNW3.77%
then 4.99
(variable)
FixedRead More
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