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Mortgages for Barristers
It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too.
Joe Crosby, Golders Green Typically, the Barristers we successfully assist tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. They know that a number of lenders are unfamiliar with the remuneration structure of Barristers in private practice and their wish to perhaps rely not only on actual receipts, but perhaps their aged debt and/or clerk’s projection of gross receipts, which can be significantly higher than net income. They advise us that the costs for chambers, travel, legal subscriptions and subsistence can often reduce their overall income figure down as much as 20- 40%. As a result, standard mortgage income multipliers applied to the net income of Barristers can be unfair, as on paper, these figures do not show the Barrister’s true earnings capacity. This coupled with the Barrister’s Aged Debt simply does not reflect overall income or net asset worth of a trading Barrister. Often a degree of professional discretion, diplomacy and negotiation may be required when dealing with a Barristers mortgage application to a national lender and this is where we can potentially assist. We deal with a number of Bar members including pupils, newly qualified tenants (without accounts, based on projections), Q.C’s and Judges at both County Court and High Court level. Many have indicated to us that they would be happy to provide personal testimonials to our service from fellow members of the Bar. We have made mortgages for Barristers a specialist area within the Company and as a Barrister obtaining a mortgage you will receive our premier service.
Capital Fortune are a blessing...I feel like I’ve got the best rate on the market and a very personable and friendly service.
Reuben, South London, SE27 Often Barristers we assist, express their frustration in finding an appropriate lender who fully understands the legal profession. They have usually undertaken their own detailed homework and are aware of the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers all stating they are best to help. They usually have seen the wide array of products, rates but are concerned by all the additional charges made by lenders, increasing the overall costs on any mortgage deal. They usually have undertaken their own analysis of products but may need a little assistance and are sometimes left unsure how to conclude their mortgage search. Barristers we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether they simply qualify for a specific deal. They just want the overall best mortgage but appreciate the risks in being declined by a lender. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why many lenders may not consider their individual circumstances and they want to ensure when choosing a mortgage they get it absolutely right. They may have spoken to a number of brokers without success, before making contact with us.
They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I've taken out.
RH, Stanmore Our Barrister mortgage advice service is based not only on knowing all the mainstream UK lender’s criteria but also our ability to access available private banking and bespoke lending solutions. Such lenders can often provide more competitive deals and are willing to take a more holistic approach to the finance rather than just relying on computers to make lending decisions. As a comprehensive panel of lenders national mortgage broker we know our lenders and importantly understand the details of their lending criteria. Importantly, we appreciate the ambiguities and difficulties in obtaining finance and work independently for you, to provide an appropriate solution. We regularly assist clients with mainstream and more complex financial needs and we are a UK mortgage specialist. Our Advisers will take you through all the options available and all the relevant fee structures. You can then decide whether we are right for you. You can call us on our national number or a request a call back online, using the general enquiry form or call back request. 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 mortgage will not only save them money, but also save them time and inconvenience.
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 mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you. 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.
We are now on our second mortgage with Capital Fortune and recommend them to friends and family.
EHB, London As you would expect with an award winning company, all our finance is arranged through fully authorised, regulated mortgage lenders, whom can offer Capital Fortune, exclusive products and rates.
As a comprehensive panel of lenders broker in this area, we know our lenders and lending criteria. Importantly, we appreciate the ambiguities and difficulties in this area of UK lending and work to provide an appropriate solution. We regularly assist clients with mainstream and complex finance and we are UK specialists in arranging mortgages for clients with non standard requirements.
We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best Broker Prime and Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards and British Mortgage Awards respectively.
There are three stages to our award winning process:
| 1 | Indicative Rate |
| Typically clients using the service, tell us they want to discuss their current situation and take us through any difficulties they may have. We can quickly give an indication as to the feasibility of what they are looking to do, undertake detailed research on the potential rates, confirm we can safely assist and importantly, express how we operate. | |
| 2 | Approval in Principle |
| This stage involves completing a 45 minute Mortgage Fact Find questionnaire over the phone to fully assess needs and requirements. Once complete, we undertake research across a comprehensive panel of lenders to recommend the right mortgage. A detailed illustration is provided which we will take you through. If you are happy with the illustration we will then request documents from you to support the application. On receipt of the documents we will obtain formal approval in principle from the lender. | |
| 3 | Full Application |
| We will process your full mortgage application and liaise directly with the lender on your behalf. We organise the valuation and deal with any issues that may arise during the mortgage application. | |
We still appreciate however, we are not right for everyone and typically we best assist clients
- With non-standard/non-traditional requirements;
- That are time pressed and need the most competitive and quick results; or
- That just need an independent guiding hand through the minefield of products to obtain them the most competitive deal and to assist them through all the complexities within the mortgage process.
We pride ourselves on delivering advice which is accurate, tailored to your situation and fully compliant with Financial Conduct Authority (FCA) guidelines and best practice.
For help and assistance, call us today on 0207 710 0400 to speak to one of our Mortgage Advisers.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.
In assessing your requirements, we do not use credit scoring and we can provide an accurate estimate of the amount of borrowing and the viability of your requirements, without effecting your credit score.
We avoid credit searches at the initial stages given that numerous credit searches will impact your ability to access cheap credit. It is clear that too many credit applications in a short period of time will impact your score and whilst it is important to shop around, formal applications for a mortgage can trigger rejections, as it gives the impression you may be desperate for credit. It is essential when making enquiries for any financial product, that the Company does not credit score you, until such time as you have agreed to make a formal application.
We can indicate your chances of approval prior to any application being made and where necessary, can obtain decisions in principle from lenders who do not use credit scoring.
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