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and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Customer - Purchase
Have dealt with a complicated mortgage very efficiently. The complications were my age (76) and wanted a commercial mortgage for a company that has not ...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

Ioannes Romer Riera - Purchase
Very professional and always available to give feedback and keep me updated on the different steps of the mortgage application. James & Stephen were great to work with. ...Read More
15 days ago

Customer - Remortgage
Capital fortune were incredibly helpful at moving my application along. They found me the best offer and ensure that things were done in a timely fashion helping make the process as easy as it can be. Stephen Marsh and James ...Read More
17 days ago

Customer - Buy to Let
This is the second time I have used Capital Fortune as and expat and again am very happy with the experience. A few issues were well thought through and resolved which ultimately resulted in an offer letter. Thank you to ...Read More
17 days ago

JJ - Purchase
Capital Fortune has been a God send to me, after my ex-husband refused to release me from our joint mortgage and no high street bank would provide me with the small mortgage I required to purchase a home of my ...Read More
1 months, 7 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
NatWest Intermediary 2 Year Tracker £995 Fee £250 Cashback Purchase CNW1.24%TrackerOct-20214.24%3.9%31-Oct-2021 £995
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.25%FixedNov-20214.99%4.1%30-Nov-2021 £995
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.28%FixedOct-20214.24%3.9%31-Oct-2021 £995
Santander UK Plc 2 Year Fixed £999 Fee Porting Cashback CAN1.28%FixedDec-20214%3.5%02-Dec-2021 £999
Santander UK Plc 2 Year Fixed £999 Fee (Scottish) Cashback CAN1.28%FixedDec-20214%3.5%02-Dec-2021 £999
Santander UK Plc 2 Year Fixed £999 Fee Cashback CAN1.28%FixedDec-20214%3.5%02-Dec-2021 £999
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.29%TrackerDec-20214.24%3.9%31-Dec-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.29%TrackerDec-20214.24%3.9%31-Dec-2021 £999
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%Discount2 years 5.79%5.2%2 years £999
Post Office Intermediary 2 Year Fixed £1995 Fee Free Val POS1.33%FixedNov-20214.74%4.3%30-Nov-2021 £1995
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
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%
then 5.79
(variable)
DiscountRead More
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

Best 5 Year Fixed Rates

LenderRateType
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.25%
then 4.99
(variable)
FixedRead More
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.28%
then 4.24
(variable)
FixedRead More
Santander UK Plc 2 Year Fixed £999 Fee Porting Cashback CAN1.28%
then 4
(variable)
FixedRead More
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