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%
Customer - Purchase
From start to finish the team were excellent. Peter and Alex were efficient in everything they did. They always answered my questions and sourced ...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

Laurence Winn - Buy to Let Remortgage
Highly recommended service for Expats....Always a quick response... ...Read More
1 months, 6 days ago

Gwyneth Allport - Purchase
Other companies had just dismissed our claim because of our age , being pensioners no one seemed to want to take us on although we had good credit ratings ...Read More
1 months, 7 days ago

Customer - Purchase
Great service and advice especially during a time when Covid has made things harder to achieve. I would definitely recommend them. ...Read More
1 months, 7 days ago

Customer - Purchase
Although covid 19 has had a marked impact on service standards I believe better distribution of manpower would help improving service speed. ...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
LenderInitial RateTypeForThenAPR*ERC*Fee
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.28%FixedDec-20223.59%3.4%31-Dec-2022 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.28%FixedDec-20223.59%3.4%31-Dec-2022 £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.34%FixedJan-20233.59%3.3%31-Jan-2023 £999
Leeds BS RETENTION Mainstream 2 Year Fixed £499 Fee Product Transfer BLH1.34%FixedDec-20225.29%4.4%31-Dec-2022 £499
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers BNW1.34%Fixed2 years3.59%3.2%2 years £999
Leeds BS RETENTION Mainstream 2 Year Fixed £799 Fee Product Transfer BLH1.35%FixedDec-20225.29%4.5%31-Dec-2022 £799
Halifax Intermediary 3 Year Fixed £999 Fee Purchase BHX1.36%FixedDec-20233.59%3.3%31-Dec-2023 £999
Halifax Intermediary FTB 3 Year Fixed £999 Fee BHX1.36%FixedDec-20233.59%3.3%31-Dec-2023 £999
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.38%FixedDec-20223.59%3.8%31-Dec-2022 £995
TSB 2 Year Fixed £995 Fee Purchase TSB1.39%FixedNov-20223.59%3.3%30-Nov-2022 £995
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
Beverley BS 2 Year Discount £1895 Fee Purchase BBV1.52%
then 4.99
(variable)
DiscountRead More
Monmouthshire BS 2 Year Discount £499 Fee Purchase BMO1.65%
then 4.74
(variable)
DiscountRead More
Principality BS RETENTION 2 Year Discount No Fee Incentives Porting Only BPR1.7%
then 4.4
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.28%
then 3.59
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.28%
then 3.59
(variable)
FixedRead More
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.28%
then 3.59
(variable)
FixedRead More
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