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 Feedback98%
Mason Parsley - Purchase
Peter and Alex are without doubt the best at what they do. Without them our ship had no steerage. They guided to a perfect ...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

Elaine-Gabrielle Smith - Buy to Let Remortgage
Totally fabulous service from the start to the end. Most importantly - they got the end result I required - to remortgage my UK properties with me now being French resident - I have tried for 5 years and never managed ...Read More
19 days ago

Customer - Buy to Let Remortgage
They are the best in the business! ...Read More
19 days ago

Customer - Purchase
they provide a efficient service and have been very helpful getting all the paperwork sorted for the mortgage. The rate they found for our international mortgage was competitive ...Read More
19 days ago

Customer - Purchase
The team are very professional, able to deal with complexity and flexible in dealing with a fluid situation. They present real solutions and ensure you achieve an excellent result. ...Read More
1 months, 3 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 2 Year Tracker £999 Fee Purchase BHX1.18%TrackerDec-20214.24%3.9%31-Dec-2021 £999
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.21%FixedJan-20224.24%3.8%31-Jan-2022 £995
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.21%FixedOct-20214.24%3.9%31-Oct-2021 £999
NatWest Intermediary 2 Year Tracker £995 Fee £250 Cashback Purchase CNW1.24%TrackerJan-20224.24%3.9%31-Jan-2022 £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
Post Office Intermediary 2 Year Fixed £1495 Fee Free Val POS1.27%FixedNov-20214.74%4.3%30-Nov-2021 £1495
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.28%FixedDec-20214.24%3.9%31-Dec-2021 £999
Santander UK Plc 2 Year Fixed £999 Fee Porting Cashback CAN1.28%FixedJan-20224%3.5%02-Jan-2022 £999
Santander UK Plc 2 Year Fixed £999 Fee Cashback (Scottish) CAN1.28%FixedJan-20224%3.5%02-Jan-2022 £999
Santander UK Plc 2 Year Fixed £999 Fee Cashback CAN1.28%FixedJan-20224%3.5%02-Jan-2022 £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
Furness BS 2 Year Discount £999 Fee Cashback BFU1.39%
then 5.79
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%
then 5
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.21%
then 4.24
(variable)
FixedRead More
NatWest Direct 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.21%
then 4.24
(variable)
FixedRead More
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.21%
then 4.24
(variable)
FixedRead More
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