skip to main content
Book Consultation
Mortgage Questionnaire
WinkworthEnquiries@
020 7267 9399
Winkworth Header Image

Expert Knowledge & Professional Service

At Trinity Financial we provide a quick, consistent and quality service ensuring that we always find the best mortgage to suit you.

Book a Consultation or Mortgage Questionnaire
Trustpilot
Image for Winkworth page

Residential Mortgages

Trinity has a wealth of experience in arranging finance for both property purchases and re-mortgages. We have access to over 40 of the leading mortgage lenders and, also, the mortgages being offered by smaller building societies and the best private banks.

Buy-to-let Mortgages

Buy-to-let property investments can offer regular rental income or even act as an alternative to a pension annuity. Trinity has access to lenders providing impressive rates and generous rental calculations enabling them to offer more generous loan sizes. 

We also offer:

  • First-time buyer mortgages
  • Mortgages over £500,000
  • Interest-only mortgages
  • Mortgages for Professionals
  • Second home and holiday let mortgages
  • Buy-to-let portfolio reviews
  • Investment banker mortgages
  • Private bank mortgages

Bridging loans and development finance:

Trinity Specialist Finance, our sister company, has access to a wide range of bridging, commercial, and development finance funding options. The firm works with lenders offering competitive rates, as well as a number of exclusive deals, in all these areas.

See our list of lenders.

How much can you borrow for a mortgage?

Applicant One

  1. £
  2. £

Applicant Two

  1. £
  2. £

  1. You could borrow between


    *subject to meeting the individual lender's criteria.

    • 4.5 x single or joint income - The amount most banks and building societies lend to clients.
    • 5 x single or joint income - The amount many of the more generous lenders allow clients to borrow.
    • 5.5 x single or joint income - An increasingly more generous amount available through a limited number of lenders often for first-time buyers, wealthier clients and professionals like doctors and lawyers.
    • 6 x single or joint income - This is available for some first-time buyers and potentially through some specialist mortgage lenders. Please contact us for more information.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Jed Newton
"Receive a bonus? Call us on 020 7016 0790. Some lenders take up to 100% of bonus income for wealthier clients."

Get Started

Get started with us today

Speak to one of our mortgage experts. Either book an appointment to come and see us, or request one of our experts to call you.

Book a Consultation Mortgage Questionnaire
Mortgage News, Press & Case Studies
Mortgage News
Press Commentary
Case Studies

BM Solutions launches limited company buy-to-let mortgages

28th Jul 2025 • By Aaron Strutt

BM SOLUTIONS LAUNCHES LIMITED COMPANY BUY-TO-LET MORTGAGES

At Trinity Financial, we’re always monitoring the buy-to-let market for new opportunities to support our clients' property investment goals.

We’re pleased to share that BM Solutions, one of the UK’s most prominent buy-to-let lenders, has officially entered the limited company mortgage space—offering more flexibility and choice for landlords across London and the UK.

Why Does BM Solutions Offering Limited Company Buy-to-let Mortgages Matter?

Historically, BM Solutions, previously known as Birmingham Midshires, has focused solely on individual (personal name) buy-to-let lending. Their new offering marks a significant step in the evolution of the buy-to-let market—particularly relevant for landlords who are increasingly turning to limited company structures to optimise tax efficiency and portfolio management. BM Solutions will increase competition in the sector.

This move reflects growing demand among professional landlords and property investors seeking to:

  • Mitigate tax liability following the phased reduction in mortgage interest relief for personal ownership.

  • Ring-fence liabilities and separate personal finances from their property business.

  • Grow portfolios in a more scalable, structured manner.

Key Benefits of BM Solutions’ Limited Company Mortgages

While full details are best reviewed with your mortgage and tax advisers, here are some standout features from BM Solutions' new proposition:

  • Competitive fixed rates tailored for limited company structures with a maximum of four parties who must collectively own 100% of the company.

  • Lending available up to 75% loan-to-value (LTV).

  • Products aimed at Special Purpose Vehicles (SPVs) with standard SIC codes, including 68209, 68100, 68320 and 68201.

  • Support for portfolio landlords (those with four or more buy-to-let properties)

  • A fast and straightforward application process with BM Solutions’ usual service levels. A buy-to-let mortgage offer is often produced within two weeks.

  • Partnerships, limited liability partnerships (LLPs), trading or layered companies are not accepted.              
  • Personal guarantees: Required from all directors/shareholders for the full loan amount.

Is a Limited Company Buy-to-Let Right for You?

While investing through a limited company can offer advantages—particularly in terms of tax efficiency —it’s not a one-size-fits-all solution. There are additional responsibilities, such as company accounts and potential differences in lender rates and criteria.

Here at Trinity Financial, we help our clients weigh the pros and cons based on their individual circumstances, goals, and long-term strategies.

Who Are BM Solutions' Competitors?

Aaron Strutt, product director at Trinity Financial, says: "There are lots of lenders offering limited company buy-to-let mortgages now, but the main players in this space are The Mortgage Works, Paragon, and Kent Reliance. 

"There has been a pretty dramatic increase in landlords switching their portfolios into a limited company or buying their first buy-to-lets in a limited company. Some of the rates are competitively priced."

How Trinity Financial's Brokers Can Help

Our team of experienced London-based mortgage brokers works closely with a large panel of lenders, including BM Solutions, to secure competitive buy-to-let deals. Whether you're setting up your first SPV or expanding an established portfolio, we provide expert guidance every step of the way.

We can help you:

  • Understand how the new BM Solutions limited company range compares to others in the market.

  • Navigate complex lending criteria and eligibility.

  • Coordinate with your accountant to align your mortgage structure with your tax strategy.

Final Thoughts on BM Solutions Limited Company Buy-to-let Launch

The arrival of BM Solutions into the limited company space adds a trusted name to an increasingly competitive sector—great news for landlords looking for more choice and better value.

If you're considering investing through a limited company or want to review your current arrangements, speak to one of our advisers today. We’ll assess your options and help you make informed, financially sound decisions.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Fancy a two-year fix at 3.75%? Barclays has lowered its mortgage rates again!

26th Jul 2025 • By Aaron Strutt

Barclays for Intermediaries is the latest major bank to lower its mortgage rates again, as fixed rates continue to become more competitively priced.

The bank has introduced a two-year fix at 3.75% available to borrowers purchasing a property. It has an £899 arrangement fee and applicants will need a 40% deposit to qualify. 

The mortgage is available to Barclays Premier with an income of at least £75,000 to a combined income of £100,000, although the rate is only 0.01% more expensive for non-premier customers. Applicants will need a 40% deposit to qualify. The minimum loan size is £5,000, and the maximum is £2,000,000. 

Aaron Strutt, product director at Trinity Financial, says: “It shows how keen banks and building societies are to attract borrowers. The cheapest two-year fixes are still more competitively priced than many of the three and five-year fixes, and they are still popular, as many people still think rates will be lower in a few years' time. If you can get a sub-4% rate, I still think you are doing pretty well.”

Representative example: A capital and interest mortgage of £400,000 payable over 30 years, initially on a fixed rate basis at 3.75% until 30/09/2027 and then on the lender's 6.24% standard variable rate for the remaining 28 years. The 3.75% rate would require 25 monthly repayments of £1,852.46 followed by 335 payments of £2,425.46. The total amount repayable would be £859,970.67. This amount is illustrative and may vary, made up of the loan amount, plus interest £458,840.83) and £899 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 6% APRC representative.

Call Trinity Financial on 020 7267 9399 to secure a mortgage, book a consultation, or complete our mortgage questionnaire. 

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage 

Which lenders offer the most competitively priced £1 million and £2 million mortgages?

25th Jul 2025 • By Aaron Strutt

How many mortgage lenders offer £1 million mortgages? Is it best to go to a private bank or a high street lender for a £1 million mortgage? How do you qualify for a £1 million mortgage? In this article, we answer your frequently asked questions.
 
There are well over 75+ banks and building societies offering mortgages of £1 million or more in the UK, often with different rates, arrangement fees, deposit requirements, and affordability calculations to determine how much people can borrow.  
 
Mortgage lenders are keen to issue larger loans to higher-net-worth clients as they continue to issue more competitively priced fixed and tracker rates, often priced below 4%. Barclays has recently launched a 3.75% two-year fixed-rate mortgage available for loans up to £2 million.


Here is Trinity Financial's pick of the lenders offering £1 million and £2 million mortgages. You can also view out best buy table.

Best lenders for £1 million+ mortgages The rates they offer  Good reputation & prompt service? Maximum loan sizes
Halifax for Intermediaries Fixed and tracker Yes No maximum loan size.
Barclays for Intermediaries Fixed and tracker and offset Yes £10 million via the high street.
NatWest for Intermediaries Fixed and tracker  Yes No maximum loan size.
Santander for Intermediaries Fixed and tracker  Yes £5 million as standard.
Coutts for Intermediaries Fixed and tracker  Yes No maximum loan size.
HSBC for Intermediaries Fixed and tracker  Yes £10 million as standard.
Nationwide for Intermediaries Fixed and tracker  Yes £5 million as standard.

 

  • High-street banks and building societies (Nationwide, Halifax, Barclays, HSBC, Coventry, etc.) – many cap lending at around 4.5–5.5 × income and may require a substantial deposit. Only a limited portion of their lending goes above 4.5 × income—typically 10–15 % under their income multiples cap.

  • Specialist high-net-worth lenders and private banks – these include Coutts, Barclays Private, HSBC Private, Hampden & Co, Arbuthnot Latham, EFG, etc. They lend £1 million+ by requiring you meet private banking thresholds and assess income/assets more flexibly.

  • Boutique/specialist mortgage lenders and brokers – Trinity Financial and others work with 90+ high street lenders, including boutique ones, to arrange £1 million+ mortgages. There are lots more private banks.

Private Bank vs High Street – Which Is Best?

  • High-street lenders
    Usually offer lower listed interest rates and straightforward processes.
    Will stick to rigid multiples (usually 4.5× to max 6× income), tight deposit requirements (10–20%), and stricter income documentation for larger mortgage loans.

  • **Private banks / high-net-worth lenders**
    Offer bespoke underwriting—assessing bonuses, dividends, investments, and complex structures.
    Typically lend from £1 million upwards. May allow interest-only products, flexible repayment terms, cross-collateralisation, and multi-asset servicing.
    Some require you to meet private banking criteria (e.g., £250k–£500k+ in assets or income, or borrowing £1 million+).

Aaron Strutt, product director at Trinity Financial, says: "If your income/assets are straightforward, and you’re comfortable with standard multiples, a high-street lender should suffice. If you have complex income, need flexibility, interest-only, or bespoke terms, private banks or specialist lenders are likely better."

Qualifying for a £1 million mortgage

Here's what lenders typically require:

  1. Income multiples

    • Standard lenders typically require a 4.5–5.5 times salary/income.

    • To borrow £1 million:

      • At 5×: need £200,000 income;

      • At 6×: need ~£167,000 income.

  2. Deposit or loan-to-value (LTV)

    • Standard: 10–20% deposit (£100,000–£200,000).

    • Some private lenders may accept higher LTVs and more flexible terms.

  3. Credit and documentation

    • Excellent credit history, stable income, clean bank statements.

    • Private banks will assess dividends, savings, investments and personal wealth.

  4. Private banking eligibility

    • Often need ≥£300k income or ~£3m+ in assets to qualify as “high net worth” 

  5. Broker assistance

    • Specialist brokers can access private and boutique lenders on your behalf, helping structure the best deal.

Steps to take to secure a £1 million+ mortgage

Step What to Do
1. Check affordability Banks use multiples—at 5× income, you’d need £200k to borrow £1m. At 6× you’d need ~£167k.
2. Build a deposit & clean credit Save ≥10–20%; ensure credit records are spotless.
3. Gather documentation Payslips, SA302s (if self-employed), bank statements, investment records.
4. Consult a specialist broker They can tap into both high-street and private lenders based on your profile.
5. Assess lender match If plain income, high-street lenders may offer better rates.

Getting a £1 million+ mortgage does not need to be hard work

Best route? If your finances are fairly typical and your income is strong, a high-street lender may offer lower rates. However, for those with complex needs, higher-earning or investable assets, or bespoke terms, private/high-net-worth lenders are often a better fit.

  • Qualifying means:

    • Income of £167k–£200k+ (depending on multiple)

    • Deposit of ~10–20% (or more)

    • First-class credit and documentation

    • If opting for private banking, meet high-net-worth thresholds (~£300k income or £3m+ assets)

Lending solutions with Trinity Financial

Are you looking to buy a property or remortgage and need expert advice? We’re here to help you find a solution. Our specialist brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Buy-to-let mortgages surge by 39% to £10.5bn in Q4 2024 – UK Finance

19th Jul 2025 • By Aaron Strutt

A combination of high rents and lower mortgage rates have enticed landlords back to the market at the start of the year.  Some 58,347 new buy-to-let mortgages were approved in the first three months of the year, a near 39% increase on last year, according to UK Finance.

In Q1 2025 there were 58,347 new buy-to-let mortgages advanced in the UK, worth £10.5 billion. This was up 38.6 per cent by number (46.8 per cent by value) compared with the same quarter in the previous year.

The average gross buy-to-let rental yield for the UK in Q1 2025 was 6.94 per cent, compared with 6.88 per cent in the same quarter in the previous year. The average interest rate across all new buy-to-let loans in the UK was 4.99 per cent in Q1 2025. This was 10 basis points lower than in the previous quarter, and 41 basis points lower than in the same quarter of 2024.

Reflecting the downwards movement in interest rates, the average buy-to-let interest cover ratio (ICR) for the UK in Q1 2025 was 202 per cent, up from 190 per cent in Q1 2024 and unchanged from the previous quarter.

The number of BTL fixed rate mortgages outstanding in Q1 2025 was 1.44 million, 4.99 per cent up on a year previously. In contrast, the number of variable rate loans outstanding fell by 15.8 per cent to 500,000.

At the end of Q1 2025 there were 11,830 buy-to-let mortgages in arrears greater than 2.5 per cent of the outstanding balance. This was down 780 from the previous quarter.

There were 810 buy-to-let mortgage possessions taken in Q1 2025, up 28.6 per cent on the same quarter a year previously.

Buy-to-let Lending Solutions With Trinity Financial

Are you looking to buy an investment property or remortgage and need expert advice? We’re here to help you find a solution. Our specialist brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Skipton lowers income threshold to qualify for its 5 and 5.5 times salary mortgages

18th Jul 2025 • By Aaron Strutt

Skipton Building Society is the latest mortgage lender to announce that it is lowering the minimum income threshold for borrowers seeking high loan-to-income mortgages to £40,000 from £50,000.

The lender will offer a loan-to-income of up to 5.5 times for borrowers with a 10% deposit, across its product range, subject to affordability, from next Monday (28 July).

According to Skipton its new criteria changes mean that customers with a total application income of £41,000 and a 10% deposit will be able to borrow up to £225,500 — that’s over £41,000 more, a 22% increase on what they could have previously borrowed. Applicants will need a good credit history to qualify. 

Under its old lending rules, borrowers on a £41,000 income and a 10% deposit could have borrowed up to £184,090.

Skipton offering 5 times salary on Track Record no-deposit mortgage

Skipton will lift the maximum income multiple on its 100% Track Record no-deposit mortgage from 4.75 to 5 times income.

This will allow borrowers with a household income of £60,000 to apply for this loan and borrow up to £300,000 – a 5% increase, or £15,000.

Skipton Building Society's chief executive of home financing, Charlotte Harrison, says: “We’ve campaigned for change to the LTI rules to better support first-time buyers, so it’s really positive to see the PRA respond, and we’re proud to be taking immediate action following that shift.

“The PRA has estimated that LTI changes could support an additional 36,000 FTBs into homeownership each year. We look forward to working closely with regulators and industry partners to build on this progress.”

Nationwide changes its Helping Hand mortgage 

Nationwide announced last week that it is making it easier for more people to get on the property ladder by relaxing the income criteria for its Helping Hand mortgage, which offers lending of up to six times the salary to first-time buyers. The move will enable it to write around 10,000 more first-time buyer loans over the coming year, while Lloyds Banking Group announced that it would set aside an extra £4 billion for high loan-to-income lending.

Do many lenders offer income stretch mortgages?

The mortgage market is opening up and there is a lot of choice for borrowers planning to get on the property ladder. Trinity's brokers have access to a range of lenders offering enhanced income multiples for all types of borrowers.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Homes with a sea view ‘command average premium of more than £88,000’

17th Jul 2025 • By Aaron Strutt

Homes with a sea view are on average £88,106 more expensive than those without, representing a 32% price premium across Great Britain, according to Rightmove.

The average asking price for a home with a sea view stands at £363,181, compared to £275,074 for properties in coastal areas without this coveted feature.

Rightmove's analysis looked at over 200 coastal areas, comparing the average asking price of homes in these areas when a sea view was available compared with those without a sea view.

At a regional level, the East Midlands leads the charge with a 68% premium, making homes with sea views here the most expensive, averaging £428,330.

Following in second is the South West with a 44% premium, and Scotland is a close third at 43%.

Aside from being the region with the second highest sea view price premium, Torbay in Devon is also the area with the highest number of available homes listed with a sea view.

Top ten areas homebuyers are most likely to secure a property with a sea view

The top ten areas homebuyers are most likely to secure a property with a sea view, based on available listings for 2025 Torbay, Bournemouth, Cornwall, Isle of Wight, Hastings, Folkstone, Brighton, Thanet, Tendring and North Yorkshire.

Rightmove property expert Colleen Babcock says: “Sea views have always been a highly sought-after feature for homebuyers, and our latest research highlights just how much more people are willing to pay for one.”

“The East Midlands claims top spot as the region with the highest price premium for homes with a sea view at 68%, compared to homes with a sea view in the South East which has a much lower sea view premium of 22%.”

“A contributing factor for this difference could be the exclusivity of properties with a sea view in these areas.”

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

The i - Two major lenders cut mortgage rates ahead of expected interest rate cut

30th Jul 2025 • By Aaron Strutt

Two major lenders are cutting rates on their fixed-rate deals today (30 July), with the new deals leading the best buys table.

Santander has launched a two-year fixed rate for home movers starting from around 3.75 per cent with a £999 fee.

Aaron Strutt of brokers Trinity Financial told The i: “The best five-year fixes are priced around 3.9 per cent at the moment. We have seen some fixed rate rises over the last few days, so we may not get many lenders lowering their rates over the next week or so.

“But if the base rate comes down, then there may well be a few cheaper fixes to choose from over the next few weeks.”

Click here to read the full story £

The Sunday Times - High rents pull landlords back into the market

27th Jul 2025 • By Aaron Strutt

A combination of high rents and tax breaks enticed landlords back to the market at the start of the year.  Some 58,347 new buy-to-let mortgages were approved in the first three months of the year, a 39% increase on last year, according to UK Finance.

Aaron Strutt of Trinity Financial told The Sunday Times: "With so many people struggling to get on the property ladder and a real shortage of affordable rental in many areas, landlords are keen to benefit from the higher rents.  Many of the buy-to-let mortgages are cheaper than the residential mortgages as the lenders try to stimulate the market."

Mortgage Finance Gazette - Buy-to-let ‘sell-off ends’ as loans jump 47% to £10.5bn in Q1: UK Finance

23rd Jul 2025 • By Aaron Strutt

There were 58,347 new buy-to-let loans advanced in the UK, worth £10.5bn in the first three months of the year, data from UK Finance shows.  
 

This is up 38.6% by volume and 46.8% by value, compared with the same quarter a year ago, with some property professionals hailing this as the end of “the big landlord sell-off”.

The average gross BTL rental yield in the first quarter of this year was 6.94%, compared with 6.88% 12 months ago. 

Trinity Financial products and communications director Aaron Strutt says: “With so many people struggling to get on the property ladder and a real shortage of affordable rental properties in many areas, landlords are keen to buy and benefit from the higher rents. 

“BTL mortgage rates have been coming down for quite some time and they are more affordable. There are landlord rates available from 2.5% with 3% arrangement fees, and 3.75% rates with £1,499 fees.

“Many BTL rates are cheaper than the residential deals at the moment as the lenders try to stimulate the landlord sector.

“Many landlords are still converting their portfolios into companies as they seek to be more tax-efficient. They are also switching lenders to get better deals.”  

Click here to read the full story 

Thisismoney.co.uk - What next for mortgage rates - and how long should you fix for?

23rd Jul 2025 • By Aaron Strutt

The lowest fixed rate mortgage deals have dipped below 3.8 per cent - and there is an expectation that rates may fall slightly further. Four of Britain's biggest mortgage lenders recently cut rates across their home loans to best buy levels.

Mortgage broker Aaron Strutt of Trinity Financial thinks there is still room for rates to fall a little from here. 'Mortgage lenders are still cutting their rates despite the higher inflation figures.' 

Aaron told Thisismoney.co.uk: 'Even with everything that's going on with the economy and global affairs it still seems like rates are heading down. I would not bet against rates being closer to 3.5 per cent over the coming months, but as we have seen so many times before almost anything can happen. If you get the chance to take a rate anywhere near 3.75 per cent you are doing very well.'

Click here to read the full story 

The i - Barclays launches cheapest mortgage rate at 3.75% - but here's the catch

17th Jul 2025 • By Aaron Strutt

Barclays has launched the cheapest two-year fix at a rate of 3.75 per cent – however not everyone is eligible. The deal is only available for property purchases and for those who are “premier” customers.

Aaron Strutt of brokers Trinity Financial told The i: “It shows how keen banks and building societies are to attract borrowers. The cheapest two-year fixes are still more competitively priced than many of the three- and five-year fixes, and they are still popular as many people still think rates will be lower in a few years time. If you can get a sub-4 per cent rate I still think you are doing pretty well.”

He added the two-year fix from Barclays offers decent value for money especially as it is available for larger mortgage loans. Many people are still taking two-year fixes because they think fixed rates will be cheaper in a few years and it is hard to disagree.”

Click here to read the full story £

Daily Mail - Give more first-time buyers bigger mortgages, Reeves tells finance firms.

16th Jul 2025 • By Aaron Strutt

More first-time buyers could get bigger mortgages, as Rachel Reeves enables lenders to loosen their lending rules to help more people on lower incomes buy a home. 

The Chancellor is expected to announce the reforms to financial regulation at a summit of top finance executives in Leeds today, ahead of her Mansion House speech in the City of London.

Aaron Strutt of Trinity Financial, told the Daily Mail: 'It can be really hard for those on lower incomes to borrow anywhere near the amount they need to buy a home, even if they have a large deposit.

'The argument is that they have less disposable income and therefore they can't afford a larger mortgage - even though many of them are paying high rents.'

Click here to read the article 

£1.5 million mortgage for solicitors buying family home

4th Jul 2025 • By Aaron Strutt

Trinity Financial recently helped two solicitors buy their first family home after they found our contact details online.

They had an offer accepted and wanted advice on the most competitively priced rates for higher-earning individuals requiring larger mortgage loans.

Did they have a complex situation?

Our clients were both employed solicitors with high salaries, and they had a £300,000 deposit. This meant they were well within affordability and would qualify with multiple lenders.

Trinity’s broker researched the rates being offered across the £1 million+ market and found a large bank offering a competitively priced two-year fixed rate. This lender is very keen to attract wealthy borrowers and it has a range of larger loan rates.

Our broker submitted their mortgage application once they had received their client's documents and confirmation to proceed. The lender's large loan team swiftly accepted it and was happy to offer the mortgage.

Was the rate particularly good?

Mortgage rates were higher than they are currently, and they have been trending downward. We initially locked in a rate just above 4.6% fixed for two years, and switched the mortgage offer twice, bringing the rate down to below 4.25% a few days before they needed to exchange contracts and complete their purchase.

How long did it take to produce the mortgage offer?

The initial mortgage was offered within three working days. The lender has a specialist team to assess and provide mortgages for £1 million or more.

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

£1.2m interest-only product transfer rate switch for city trader

1st Jul 2025 • By Aaron Strutt

Trinity Financial recently arranged a £1.2 million product transfer for an existing client nearing the end of his fixed-rate.

Working as a city trader a large part of his income is paid in bonuses and he wanted to get a competitively priced two-year fix but remain on interest only.

Did they have a complex situation?

Our client had a large salary, and mortgage affordability was not an issue; however, he had £1.2 million on interest-only, which put him at a 75% loan-to-value ratio. This meant he did not have many competitively priced remortgage options available to him. 

He was not planning to move home and had been making lump-sum overpayments to bring down the mortgage balance.

Was the rate particularly good?

He was offered a two-year fixed rate at just over 3.90% with his bank to stick with them and this was a better deal than the one he had before. He opted for the two-year fix because he believed rates would be lower in the near term.

Trinity's broker researched the market and was unable to find a suitable mortgage that offered a more competitive price.  He submitted the mortgage rate transfer application when the client confirmed he was happy to proceed.

How long did it take to produce the mortgage offer?

A product transfer mortgage offer is typically issued on the same day as the application is submitted via brokers like Trinity Financial. 

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

£850,000 mortgage for clients keeping old home to give them time to refurbish new property

1st Jul 2025 • By Aaron Strutt

Trinity Financial recently secured a £850,000 mortgage for a professional couple purchasing a £1 million property in London.

They already had a mortgaged property they lived in and wanted to keep it before putting it on the market to avoid having a chain and potentially delaying completion. They also wanted time to refurbish their new home.

Did they have a complex situation?

Our clients are higher earners and had a 15% deposit. However, not all lenders are comfortable with borrowers technically having two residential properties, even if it is for a short period.

After researching the market, Trinity's broker found a large high-street bank willing to offer the full £850,000, allowing our clients to have two residential mortgages. The lender offered competitively priced rates and has swift turnaround times. 

To meet affordability requirements, applicants must demonstrate that they can afford two mortgages simultaneously, even with lenders' higher stress test rates.

Was the rate particularly good?

The lender offered a two-year fixed rate priced around 4.25%, and the clients opted for a 35-year term to lower their monthly repayments. The lender allowed 10% of the mortgage to be repaid each year without charge. 

How long did it take to produce the mortgage offer?

The mortgage offer was produced within a week of the application being submitted.

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances.

At Trinity Financial, our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

£400,000 mortgage for junior doctor based in the Isle of Man buying in London

22nd Jun 2025 • By Aaron Strutt

Trinity Financial recently helped a couple buying their first home to secure a £400,000 mortgage to purchase a £500,000 flat in London. 

Did they have a complex situation?

One of our clients is a junior doctor based in a hospital on the Isle of Man, and his partner, who works in London, was on a visa.

When he finished his training on the Isle of Man, he planned to move in with his partner in London. But for the time being, he would return home and stay in the flat every month.

His partner was not British and was in the country on a visa without indefinite leave to remain.

This application was more complex because the Isle of Man is not part of the UK, and that's an issue for most lenders. Another broker said they could not do the deal because it was not possible!

Trinity's broker approached a host of lenders, and most of them would not provide a mortgage. He did find one bank happy with the fact that the client was a doctor and that he would be coming to stay in the property on a regular basis.

Was the rate particularly good?

Two-year fixed rate just below 4.10%. The couple thought interest rates would come down over the medium term and did not want to lock into a five-year fixed rate.

How long did it take to produce the mortgage offer?

It took two weeks to produce the mortgage offer once the application was submitted. 

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances.

At Trinity Financial, our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

£500,000 building society mortgage using pending income from SIPP, pension, plus stocks and shares

15th Jun 2025 • By Aaron Strutt

Trinity Financial recently secured a £500,000 mortgage for a client with substantial funds in his Self-Invested Personal Pension (SIPP), pension, and stocks and shares.  

He had found a £1 million house to buy in Surrey, and his offer was accepted, but he was struggling to find a lender willing to issue him with a mortgage.

Did they have a complex situation?

Our client has over £1 million in his SIPP, over £1.3 million in stocks and shares, and another substantial pension fund. However, as he was 55 years old, many lenders stated that he was not old enough to access the funds and he would have to wait. 

Trinity Financial's broker contacted a range of lenders, and none of them were willing to lend him any money. This led her to speak to the specialist building societies and to contact their relationship managers.

After speaking to one provider with a reputation for lending to wealthier clients who do not meet all the criteria, a specialist mortgage underwriter assessed his financial situation and agreed to provide the mortgage.

They saw that the client had a good financial situation, a good credit score and determined that lending to someone with a large deposit and substantial income was a safe bet.

Was the rate particularly good?

The lender offered a reasonably competitive five-year fixed rate priced at just over 5% over a ten-year term. He planned to repay the mortgage quickly.

How long did it take to produce the mortgage offer?

The mortgage offer was produced quickly, and within a week of the application being submitted. The process was fast because we had all the documentation the lender requested, and the property valuation was satisfactory.

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances.

At Trinity Financial, our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

£700,000 mortgage on super cheap rate ported to new home with £250,000 top up

10th Jun 2025 • By Aaron Strutt

What did they do for a living? One of our clients is an IT Director, and his partner is a homemaker.

They had found a new home to buy and had their offer accepted. They wanted to take their existing £700,000 mortgage with them, using the porting facility, and borrow an additional £250,000.

Why did they need your help? They were existing clients and our broker arranged the original mortgage for them. They wanted help with the porting process, application and advice on the rate for the top-up loan part.

Did you struggle to find a lender? No, as porting made more sense. They had such a cheap rate that it would have been a real shame not to take it with them to their new home. 

Was the rate particularly good? Ported £700,000 existing rate that was below 1% fixed until 30/11/26 and additional borrowing of £250,000 on a sub-3.90% two-year fix.

How long did it take to produce a mortgage offer? It took just over two weeks for the mortgage to be offered by their existing lender.

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7267 9399 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Get in touch

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form or mortgage questionnaire and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Read Trinity Financial's privacy policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Other ways to get in touch

020 7267 9399
WinkworthEnquiries@trinityfinancialgroup.co.uk
Whatsapp 077805 31022
Mortgage Questionnaire
155 Upper Street, Islington, London, N1 1RA

Our list of Mortgage Lenders

Trinity Financial works with a broad range of lenders across the UK.

We offer a comprehensive range of first charge mortgages from across the market. Details of our lender panels are outlined below:

  • Accord Mortgages
  • Aldermore Mortgages
  • Ahli United
  • Bank of Ireland UK
  • Bank of Ireland "Bespoke"
  • Barclays
  • Barclays Wealth
  • Bank of China
  • Bluestone Mortgages
  • Beverley Building Society
  • BM Solutions
  • Buckinghamshire Building Society
  • Cambridge 
  • Capital Home Loans
  • Chorley Building Society
  • Clydesdale Bank
  • Coutts
  • Coventry / Godiva Mortgages
  • Darlington Building Society
  • Digital Mortgages by Atom Bank
  • Dudley Building Society
  • Fleet Mortgages
  • Family Building Society
  • First Trust
  • Foundation Home Loans
  • Furness Building Society
  • Generation Home
  • Halifax Intermediaries
  • Hanley Economic Building Society
  • Handelsbanken 
  • Harpenden Building Society
  • Hinckley & Rugby Building Society
  • Hodge Lifetime
  • HSBC for Intermediaries
  • Interbay
  • Kensington
  • Kent Reliance Building Society
  • Keystone
  • Landbay
  • Leeds Building Society
  • Leek Building Society
  • Mansfield Building Society
  • Market Harborough Building Society
  • Marsden Building Society
  • Moda Mortgages
  • Monmouthshire Building Society
  • Melton Building Society
  • Metro Bank
  • MPowered
  • Nationwide For Intermediaries
  • NatWest Intermediary Solutions
  • Newbury Building Society
  • Newcastle Intermediary Services
  • The Nottingham
  • The Mortgage Works
  • TSB for Intermediaires
  • Paragon
  • Pepper Homeloans
  • Penrith Building Society
  • Platform for Intermediaries
  • Precise Mortgages
  • Progressive Building Society
  • Principality Building Society
  • Quantum Mortgages
  • Santander for Intermediaries
  • Saffron Building Society
  • Scottish Widows Bank
  • Scottish Building Society
  • Shawbrook Bank
  • Skipton for Intermediaries
  • Skipton for International
  • Stafford Railway Building Society
  • Suffolk Building Society
  • Swansea Building Society
  • Tandem Specialist Mortgages
  • Teachers Building Society
  • The Mortgage Lender
  • The Mortgage Works
  • Tipton & Coseley Building Society
  • Together 
  • TSB Bank plc
  • United Trust Bank
  • Virgin Money for Intermediaries
  • The West Brom
  • Zephyr

Trinity Financial has access to a wide range of private banks providing £1million+ mortgages, including:

  • Arbuthnot Latham
  • Bank of Canada
  • Barclays
  • Butterfield
  • Coutts
  • EFG 
  • HSBC Private Bank
  • Investec
  • Klienworth Benson
  • Santander

Specialist partners 

  • Buildloan 
  • TBMC
  • IMPACT Specialist Finance
  • Affirmative
  • Optimum ELITE

We do not currently have access to:

  • Chelsea Building Society
  • First Direct
  • Yorkshire Building Society
  • Yorkshire Bank
  • RBS
  • Lloyds

Book a Consultation

Our expert brokers have a wealth of experience working with all types of clients, whether they live in the UK or internationally.

Navigating the mortgage market is now more complex than ever. However, Trinity simplifies the process and removes the stress out of arranging finance.

As part of our bespoke mortgage service:

  • Trinity makes securing a mortgage as smooth and straight forward as possible;
  • Trinity researches the best lender and mortgage rates;
  • Trinity explains the mortgage options available;
  • Trinity updates applicants on the progress of their mortgage application at each stage.

To find out more about our services and how we can help you to secure a mortgage, call us on 020 7016 0790, book a consultation using the form below or complete our mortgage questionnaire. Our expert brokers will be happy to assist.

Get started today

At Trinity Financial we provide a quick, consistent and quality service ensuring that we always find the best mortgage to suit you.

You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Click here to read Trinity Financial's privacy policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Mortgage Questionnaire

Personal Details

Applicant 1
Applicant 2
First Name *
+ Add Applicant
Last Name *
Next Age or Date of Birth *
Current Address *
Copy all Addresses
Previous Address
2nd Previous Address
Best contact number *
Alternative contact number
Email *
Residential status *

Employment History

Applicant 1
Job Title or Sector
Job Type *

If Employed

Salary
Bonus
Commission
Overtime

If Self employed

Latest year net profit
2nd most recent net profit
3rd most recent net profit

If Contractor

Day rate
Latest year net profit
2nd most recent net profit
Applicant 2
Job Title or Sector
Job type
 

If Employed

Salary
Bonus
Commission
Overtime

If Self employed

Latest year net profit
2nd most recent net profit
3rd most recent net profit

If Contractor

Day rate
Latest year net profit
2nd most recent net profit

Financial Commitments

Applicant 1
Applicant 2
Copy from Applicant 1
Monthly credit commitments *
Monthy transport costs *
Monthly utility costs *
General living costs *
Pension contributions *
Children
Please state your school or childcare fees, if applicable
Not applicable
Not applicable

Credit History

Credit History *

Mortgage Details

Applicant 1
Mortgage requirements *
Purchase price
Deposit
Property URL
Property value
Mortgage balance
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Purchase price
Deposit
Approximate rental income
Property URL
Property value
Mortgage balance
Approximate rental income
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Applicant 2
Mortgage requirements
 
Purchase price
Deposit
Property URL (i.e. the website link from your estate agent website or Rightmove)
Property value
Mortgage balance
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Purchase price
Deposit
Approximate rental income
Property URL (i.e. the website link from your estate agent website or Rightmove)
Property value
Mortgage balance
Approximate rental income
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type

Other Services

Please select any products/services you may be interested in.

By selecting Solicitors or International Money Transfer you are permitting us to put you in touch with a third party company, who will contact you after our initial discussions. Life cover and Home Insurance services are typically managed internally.

Talk to one of our Expert Mortgage Advisers

Comments

Request a callback

Please specify a date and time or select "As soon as possible".

Date Time

You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Click here to read Trinity Financial's privacy policy.

Tel: 020 7267 9399 | Email: WinkworthEnquiries@trinityfinancialgroup.co.uk

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.