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Sam Lee

Director – Asia Pacific Region

Sam graduated from Manchester University with a BSc(Hons) degree in Mathematics with Business and Management. Following this, Sam spent a year abroad, working for Inchcape in Hong Kong, before returning to London to join Capricorn in 2010. He now holds a diploma in Professional Financial Advice as well as his certificate in Mortgage and Insurance advice.

Sam specialises in New Build and mortgages for Non-UK Residents, working closely with some of the UK’s biggest property developers and best-known agents.

Sam heads up Capricorn’s International Team and is now stationed in Singapore, where he has set up and is running our Asia Pacific office.

Recent news and views from Sam

Introduction on buy to let mortgages

A buy-to-let mortgage does exactly what is ‘says on the tin’; you are purchasing a property for which the intention is to let out. The benefit of this, from an investment perspective, is usually twofold; for profit achieved from rental income, and from capital appreciation of the property value itself.... read more

Is now a good time to re-mortgage?

Many borrowers are choosing to re-mortgage their properties to secure a new product, either with their existing lenders, or elsewhere on the market. When re-mortgaging, it is possible to lower your monthly repayments by changing to a lower interest rate deal, reduce or increase the repayment term, switch from a... read more

Mortgage Regulatory Changes, and How to Prepare Yourself into the New Year

Landlords were targeted with numerous changes in 2017, however despite these new challenges, the market remained relatively strong. During 2017 there were two key changes implemented by the Prudential Regulation Authority (PRA). The first saw lenders having to increase their benchmark rental stress tests, making it more difficult to get... read more

Is it Possible to get Interest Only Lending?

Nowadays obtaining an interest only loan on a residential property can be quite challenging, and rightfully so, as given this is likely to be your main home, you wouldn’t want to end up in a position where you are nearing retirement, and still have hundreds of thousands of pounds remaining... read more

Nine Elms – A Mortgage Minefield

Specialising in mortgages for new build homes, naturally I receive my fair share of enquiries for properties being built in the Nine Elms regeneration area. This site is to include around 20,000 homes, split across several developments, stretched along the Southbank of the Thames between Battersea and Vauxhall. This is all... read more

How much is it possible borrow on new build apartments?

With more and more homes being built, and London's skyline ever silhouetted with cranes and half built structures, it's no wonder that it's becoming more of the norm (or more of a necessity even) these days to purchase a new build home. Through Capricorn's existing and growing relationships with some... read more

Are ‘Self-Cert’ Mortgages set to make a return?

The payday lender, Quick Loans, announced at the end of last year that they will be selling self-cert mortgages only accessible through its website. Previously when consumers took out a ‘self-cert’ mortgage, they self-certified that the income stated in their mortgage application was true. As you can imagine this led... read more

Overseas Buyers and the Importance of ‘Assigned Contracts’

It is evident that London property sales have taken a slight dip during the latter half of the year, with property prices seeing a decline, and a lower amount of overall sales. This however, does not seem to have deterred investment by overseas clients, which has remained abundant despite adverse... read more
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