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 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.
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.
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 Questionnaire12th Jun 2025 • By Aaron Strutt
Whether you're moving up the property ladder, downsizing, remortgaging your home, or buying your first property, working with a reputable mortgage broker can save you time, effort and money.
In some cases, using an award-winning mortgage broker, like Trinity Financial, can be the difference between getting a mortgage to buy the property you want or not.
But what is a mortgage broker, exactly? What services do mortgage brokers provide? In this article, we will address the most frequently asked questions about mortgage brokers.
A mortgage broker acts as a middleman between you and the mortgage lenders. They:
In many cases, it is much quicker to get a mortgage through a broker.
Trinity Financial regularly submits mortgage applications for our clients before they have been able to get an appointment with their bank or building society's mortgage adviser.
It typically takes ten working days to produce a mortgage offer; however, if an application is straightforward, it may be possible to receive a mortgage offer within a few hours or a few days.
Brokers accounted for 87% of all mortgages written in the UK in 2024, and this figure is expected to rise according to the Intermediary Mortgage Lenders Association.
To provide you with bespoke mortgage advice and submit an application to the recommended lender, your adviser will need you to complete and return a mortgage questionnaire and supply the following documents (for each applicant, as applicable). They will also want to have a 15-minute consultation.
At Trinity Financial, we will request proof of Identity, proof of address, and proof of income (three months' payslips if employed or the last two years' SA302 tax computations and tax year overviews if self-employed. Or a copy of your contract(s).
Additionally, provide three months' bank statements (full monthly statements showing salary credits, which can be online-generated), proof of deposit funds (if applicable for a purchase), details about your work plans, and your anticipated retirement age. Plus, a copy of your visa is required if you are a foreign national.
Advantages of using a mortgage broker
Disadvantages of using a mortgage broker
Some brokers have access to a vast network of lenders, while others work with a smaller panel of lenders. You’ll want someone who can shop around for the best rates and terms, rather than just pushing one product.
Trinity Financial's brokers have access to a wide range of lenders, including large and small banks, building societies, and specialist and bespoke lenders. Plus private banks seeking high net worth clients.
Good brokers are:
Avoid brokers who:
A mortgage broker's primary role is to secure a mortgage for their client, but financial protection policies are also crucial. At Trinity our specialists arrange:
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
9th Jun 2025 • By Aaron Strutt
Nationwide for Intermediaries has lowered its mortgage rates again after increasing them a few weeks ago. The lender now offers two, three and five-year fixed rates priced around 4%.
Nationwide, the UK's largest building society, has a two-year fix at 3.90%, with the three-year and five-year fixes up to 0.2% higher. The 3.90% mortgage is available to borrowers purchasing a property with a 40% deposit and borrowing between £300,000 and £5 million. There is a £1,499 arrangement fee, and early repayment charges apply.
Aaron Strutt, product director at Trinity Financial, says: "If you are on the hunt for a mortgage, there are still some great options to choose from, but there are fewer sub-4% mortgages available than there were a few weeks ago. Nationwide has bucked the trend by launching these rates at a time when other major lenders have been increasing their rates.
"While the lowest rates are available to borrowers with a 35% or 40% deposit, the fixes with a 30% or 25% deposit are not much more expensive. Lenders are working hard to attract borrowers, especially now that the stamp duty rate has been increased."
Nationwide representative example: A capital and interest mortgage of £300,000 payable over 30 years, initially on a fixed rate basis at 3.90% for 24 months and then the standard variable rate currently at 6.99% for the remaining 28 years. The 3.90% rate would require 24 monthly repayments of £1,415.00 followed by 336 payments of £1,962.41. The total amount repayable would be £694,843.76 made up of the loan amount, plus interest (£393,329.13) and £1,499 (product fee), £65 (final repayment charge), £15 (completion fee). The overall cost for comparison is 6.7% APRC representative.
The price difference between the most competitively priced two, three and five-year fixed-rate mortgages has increased in recent weeks, but it remains relatively small.
The length of the mortgage rate borrowers choose often depends on their attitude to risk and the choice of products available to them at the time of application. It also depends on their financial and personal situation.
Some lenders offer one-year fixed-rate mortgages to both new and existing customers. There are also 1.5-year, 3-year, 4-year, and 10-year fixes. There are also fixed-term mortgages, which means borrowers can lock in for terms ranging from 11 to 40 years. There are tracker rates, and many do not have early repayment charges.
Trinity's brokers can help you choose the most suitable rate.
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
9th Jun 2025 • By Aaron Strutt
Banks and building societies are constantly launching new schemes to help more first-time buyers get on the property ladder.
First-time buyer schemes are widely available across large and small mortgage lenders. Some options are good for borrowers with a larger deposit. Others help those who can get support from their parents. There are also low deposit choices for borrowers who need to stretch their income and even low-deposit mortgages for those with credit blips.
There are almost too many first-time buyer schemes to list, but here is our pick of the latest leading top eight:
The most popular first-time buyer scheme is arguably Nationwide's Helping Hand income stretch mortgage, which helps borrowers access up to six times their salary to secure a mortgage.
Applicants will need to take a five—or ten-year fix, but the Helping Hand scheme has helped thousands of first-time buyers secure sufficiently large mortgages to get on the property ladder.
The Accord Mortgage £5k deposit scheme is a 1% deposit mortgage available to first-time buyers who provide a £5,000 deposit. The minimum loan size is £95,001, and the maximum is £495,000.
Skipton for Intermediaries is offering a 100% Track Record Mortgage, providing a no-deposit mortgage for current renters who haven't owned a property in the last 3 years and can demonstrate a track record of affordability of all monthly rent for a minimum of 12 months in the last 18-month period.
NatWest's new Family-Backed mortgage, sometimes known as a ‘joint borrower sole proprietor’ (JBSP) mortgage, can help buyers get onto the property ladder sooner or borrow more money. It lets borrowers add a second person to the mortgage, but without them owning the property.
Adding a second person to the mortgage as a 'non-owner', can help borrowers access larger mortgages than they would otherwise have been able to borrow, which means they could buy their own home sooner than they thought. And, the non-owner could be a family member or friend.
This scheme has been available for years and, surprisingly, is not used as much as it should be.
Applicants can use a family or friend’s savings to buy a house with their own mortgage, and the person lending the money should* get their money back, with interest.
You can borrow the full purchase price of your home because your helper provides 10% as security for five years. The Barclays Family Springboard can provide a 100% loan-to-value mortgage.
Halifax offers first-time buyers increased mortgage income multiples of up to 5.5 times their salary. Applicants must have a combined income of £50,000 or more and they will need a 10% deposit.
The 97% mortgage products from Vida Home Loans, called ‘3 & Easy’, are aimed at helping long-term renters and first-time buyers to get a foot on the property ladder and begin to move up the chain.
The entire 3 & Easy range is available with Vida's usual flexible criteria. It is available to those with an adverse credit history, complex or second-job income, self-employed, and contractors.
Bath Building Society offers mortgages up to 100% of the purchase price, where you can rent a spare room and have the expected income count towards your mortgage affordability calculations. This is sometimes referred to as a lodger mortgage or lodger income mortgage.
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
8th Jun 2025 • By Aaron Strutt
The remortgage market is set for a busy six months, with a huge number of homeowners needing to switch mortgage deals.
Market analysis from CACI* indicates that from July to December 2025, residential mortgages worth £147 billion – a 49.3% increase from 2024 – will reach the end of their term.
Many borrowers will be coming off cheap rates and switching onto mortgages priced between four and 5 per cent. Nationwide is one of a limited number of lenders still offering mortgage rates below 4%.
Aaron Strutt, product director at Trinity Financial, says: “If your mortgage is coming up for renewal soon, it is well worth checking what your lender is offering you to stay. If you send us an enquiry, we can help you secure a competitively priced rate and assess the market.
“UK Finance predicted at the start of this year that there would be a 30% rise in the number of homeowners remortgaging to a new lender rather than sticking with their existing provider. This is due to increased competition and more competitively priced rates, as well as people refinancing for home improvements or debt consolidation.
“Mortgage rates are cheaper than they were, and while many borrowers are still facing a repayment shock, it is not as big as some homeowners have faced. This clearly only provides a limited amount of comfort to those facing increased monthly costs.”
* CACI Ltd Mortgage Market Database as at February 2025. ** Maturity value for Northern Ireland (NI) likely to be higher as some NI only lenders are not included within the data. Data produced by Barclays.
When a fixed or tracker rate comes to an end, it typically reverts to the lender's standard variable rate, which is usually significantly higher than the mortgage pay rate.
In the past, research has shown that many homeowners do not act to switch deals until they see a significantly higher mortgage repayment leaving their bank account.
The period for which you want to lock in a rate depends on your attitude to risk and your longer-term view of the economy and mortgage rates.
Many borrowers are opting for two-year fixes, but three- and five-year fixes remain popular, especially among homeowners who believe that paying four per cent offers good value for money. Many borrowers opt for tracker rates primarily because they plan to sell their home and want a product with no early repayment charges.
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
4th Jun 2025 • By Aaron Strutt
Clydesdale Bank, The Co-operative, Halifax, Santander, and Accord have all recently increased their mortgage rates. This is due to an increase in swap rates, which are used to price fixed-rate deals.
The price rises came as Andrew Bailey, Governor of the Bank of England, warned that the pace of future Bank Rate cuts was “shrouded in uncertainty” due to the unknown impact of Trump’s tariffs on the economic outlook.
Sub-4% fixed-rate mortgages still available
Some borrowers still believe we are in a rate-cutting environment where mortgages are becoming cheaper, but this is generally not the case. For the moment, lenders such as NatWest, Santander, and Barclays for Intermediaries all offer sub-4% mortgages.
Mortgage rates have been edging up recently, and many major banks and building societies have increased their rates. There are fewer sub-4% fixed-rate options available.
Aaron Strutt, product director at Trinity Financial, says: "The mortgage market can change quickly. When funding costs increase, fixed rates can be withdrawn and become more expensive within a few days, which is why it is crucial to act if you spot a rate that appears to offer good value for money.
"Even with the recent price increases, mortgages should remain fairly priced over the near term. There are still some decent options available now, but there are certainly fewer three and five-year fixes priced around 3.99%. While the cost of funding does seem to have stabilised, it would not be a surprise to see more lenders pushing up their prices over the coming days."
Nationwide has lowered its two-year fixed rates after increasing pricing a few weeks ago.
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
1st Jun 2025 • By Aaron Strutt
Guarantor mortgages still exist but they have become less common as Joint Borrower Sole Proprietor arrangements have replaced them. It is fair to say that 'guarantor' is an old-fashioned term in the mortgage industry.
Guarantor mortgages were popular before the stamp duty rules changed, as there was no additional stamp duty to pay for technically owning a second property. When the stamp duty rules changed and existing property owners had to pay enhanced stamp duty, the popularity of guarantor mortgages declined rapidly.
The main benefit of a Joint Borrower and Sole Proprietor mortgage is that the "guarantor" will go on the mortgage and not the title deeds. This means, in theory, they are not liable for the additional tax. With a guarantor mortgage, they would have been added to the mortgage and title deeds, meaning they would have been liable to pay the enhanced stamp duty.
While traditional guarantor mortgages—where a family member or friend agrees to cover repayments if the borrower defaults—are less prevalent, several lenders continue to offer similar products. These include:
Many lenders now prefer Joint Borrower Sole Proprietor mortgages over traditional guarantor arrangements. In a JBSP setup, a family member or friend is listed on the mortgage to boost borrowing capacity but does not have ownership rights to the property. This structure helps avoid additional stamp duty charges and capital gains tax implications; however, it is essential to seek legal advice.
Aaron Strutt, product director at Trinity Financial, says: "Guarantors are obligated to cover repayments if the primary borrower defaults, just like with a Joint Borrower Sole Proprietor Mortgage, which is likely to impact their financial standing and borrowing capacity. Additionally, some arrangements may require the guarantor to use their property or savings as collateral, posing potential risks.
Given the complexities and potential risks associated with guarantor and JBSP mortgages, consulting with a mortgage broker and a trusted solicitor is advisable. They can provide guidance tailored to individual circumstances and help identify suitable lenders and products.
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
4th Jun 2025 • By Aaron Strutt
Nationwide will reduce rates by up to 0.12% across selected two-, three- and five-year fixed rate products, with rates starting from 3.90%.
Effective tomorrow, reductions have also been made for remortgage customers. Rates for existing customers switching, which are not changing, already start from 3.84%.
Commenting on the cuts, Trinity Financial head of communications and PR Aaron Strutt says: “Good to see Nationwide lowering rates again after putting them up a few weeks ago especially as most lenders have been pushing up the cost of their mortgages.”
Click here to read the full story
21st May 2025 • By Aaron Strutt
Halifax will raise and cut selected fixed-rate mortgage rates by up to 14 basis points on Friday, while trimming others, as Principality Intermediaries also lifts rates.
The country’s largest mortgage lender will raise homemover and first-time buyer products by up to 10bps on some fixes, it said in a broker’s note without giving further details.
Trinity Financial product and communications director Aaron Strutt says: “It does seem like mortgage rates will be going up over the next few days and there may well be a lot of changes over the coming week or two.
“The sub-4% rates we have been used to seeing and borrowers like so much will almost certainly be pulled soon, given how much the cost of funding has increased.
“Borrowers in the process of buying a property or coming up to remortgage should try to secure one of the cheap fixes soon because the lenders do not tend to give much notice that they are pushing their prices up.”
Click here to read the full story
17th May 2025 • By Aaron Strutt
Lenders have been slashing mortgage rates, bringing relief for millions of borrowers.
The Bank of England, led by Governor Andrew Bailey, has already made two cuts to its base rate this year and it is widely expected that more will follow.
House prices are expected to rise by between one and four per cent this year, according to forecasts.
But experts warn it’s not worth obsessing with short-term movements in prices when buying a home you plan to live in for years.
Aaron Strutt, of broker Trinity Financial, told The Sun: “It is hard to guess the mortgage and property markets, so if you find a nice property and affordable mortgage, it is probably a good time to get on the housing ladder.”
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8th May 2025 • By Aaron Strutt
Nationwide, Leeds Building Society and TSB all cut rates as the Bank of England reduced the base to its lowest level in around two years.
Nationwide’s lowest home loan rate are now two- and five-year deals at 60% loan to value at 3.84% for new customers looking to remortgage, with a £1,499 fee, down by 10 basis points.
Trinity Financial product and communications director Aaron Strutt says: “Nationwide has a habit of lowering its rates just after a base rate decision and this time the society has lowered its remortgage deals.”
7th May 2025 • By Aaron Strutt
Nationwide has cut more of its mortgage rates and is now the cheapest on the market for some customers, as lenders continue to engage in a “price war”. The building society cut rates by up to 0.3 percentage points on Wednesday morning, and its new rates include a sub 3.85 per cent deal for homebuyers with a 40 per cent deposit.
Aaron Strutt of Trinity Financial said: “These rates are going to top the best buy tables which is great news for borrowers especially if they are buying a home.
“It is fair to say that the lenders are having a price war at the moment and they are trying to issue more mortgages. It has been surprising to see the rates drop so much.
“Rates clearly go up and down but for the moment they are still getting more competitively priced and for all types or borrowers with ranging deposit sizes.”
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2nd May 2025 • By Aaron Strutt
Mortgage rates are falling by the day, as an interest rate cut is widely expected next week and lenders compete fiercely for customers. Today, HSBC cut mortgage rates for the second time this week having already launched more than a dozen fixed rate deals below 4 per cent on Monday.
'If you are in the position to hold out for a cheaper fixed rate then its probably not a bad idea at the moment with multiple reductions to the base rate expected,' says Aaron Strutt of mortgage broker Trinity Financial.
'In the past we have seen fixed rates come down on the back of base rate cuts and with so much economic uncertainty if you can hold your nerve you may well end up with lower monthly repayments.'
Click here to read the full story
26th Mar 2025 • By Aaron Strutt
Client Profile
Our client approached Trinity Financial seeking a mortgage for a farmhouse in Devon with 45 acres of land. They had bought the property at auction and successfully secured a purchase price of £600,000, requiring a mortgage of £450,000 to complete the transaction.
Client background
The challenge
This was a particularly complex case due to several factors:
Why Trinity Financial's expertise was needed
The nature of the property and the client’s income structure meant the case fell outside the typical criteria of most high street lenders. A specialist approach was essential to secure a suitable mortgage product that aligned with the client’s financial structure and long-term plans.
Our approach
After extensive research, Trinity's broker identified a specialist lender that could accommodate the case's complexity, recommending:
Thanks to Trinity Financial's expertise and tailored approach, the mortgage was successfully secured on competitive terms despite the challenges. The client completed the purchase and started working towards renovating their new home.
By identifying the right lender and structuring a flexible product, we ensured the client could secure their dream property while aligning with their long-term financial strategy.
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
26th Jan 2025 • By Aaron Strutt
Trinity Financial recently helped two high net worth clients secure a £1.5 million remortgage. They wanted to raise £300,000 to fund home improvements and access an early repayment charge free tracker rate.
The Italian couple wanted to remortgage away from a well-known private bank with which they had been long-term customers to secure a more competitively priced and flexible rate. They planned to make lump sum overpayments using their bonuses.
They had a grade 2 listed home in Bayswater worth just over £3.75 million and wanted their new mortgage to be on interest-only. The couple required a two-times salary income multiple and already owned a buy-to-let property.
How did we help?
After reviewing the mortgage enquiry, Trinity's broker knew the clients would have a good choice of banks and building societies offering £1 million+ mortgages. She just needed to find the lender with the most attractive terms.
She approached one of the largest mortgage lenders offering leading customer service and some of the most competitively priced Bank of England base rate trackers. The bank recently returned to the flexible variable rate market with a range of trackers without early repayment charges.
How long did it take to get the mortgage agreed?
Trinity’s broker spoke to the bank's large mortgage loan underwriter team, and they approved the application over the phone subject to a satisfactory property valuation. Once our client had provided us with the forms and supporting documentation we needed, the property was valued, and the mortgage offer was produced within a very prompt five working days.
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.
The information contained within was correct at the time of publication but is subject to change.
6th Jan 2025 • By Aaron Strutt
Trinity Financial recently arranged a £650,000 remortgage for a couple who wanted to raise £250,000 on top of their existing mortgage to pay their three children’s private school fees.
The finance director and marketing professional were coming to the end of their fixed rate with a large bank. They wanted to raise additional funds to pay their private school fees before the additional VAT hike was introduced.
When they asked their existing lender if they could raise the additional funds as part of the rate switch process, they went through a mortgage affordability check. The assessment included the full monthly repayments of the school fees rather than the repayments due after the lump sum was paid, which meant they could not borrow the required amount.
Our clients wanted us to help them secure a new rate while raising the £250,000 using their basic salary plus bonus income. Another issue was that most lenders would not advance the funds for school fees without repaying the balance, even though the remaining amount owed to the private school was relatively small. Their house was built in the 1700s, which is too old for some lenders, especially as more lenders prefer lending to borrowers with energy-efficient homes.
Trinity’s broker assessed the mortgage market to find a lender willing to offer the full £650,000 with a small balance remaining to be paid for school fees.
After contacting a long list of lenders, she found one willing to provide the entire loan amount without requiring an Energy Performance Certificate. They asked for a letter from the school to confirm that the school fees could be paid in a lump sum.
The mortgage offer was produced in under three weeks after the property was valued at £1.25 million.
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.
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
17th Dec 2024 • By Aaron Strutt
Trinity Financial recently arranged a £700,000 mortgage for two first-time buyers purchasing a £800,000 property.
The couple had been renting and decided it was a good time to get on the property ladder. After finding a four-bedroom house in London to purchase, they had their offer accepted and needed a fast mortgage. Mainly because they were keen to complete their purchase before the stamp duty deadline.
After finding Trinity's contact details online, they also wanted to get expert mortgage advice.
Our clients work in the financial sector, have good salaries, and do not have any debts or children. One of the applicants had settled status as they were German, and they both received bonus income. They required a 4.5 times salary income multiple.
Trinity's broker arranged a five-year fixed rate of just over 4.5%. Like many borrowers taking a longer-term fix, they wanted payment security. Our broker amended their rate twice because it came down after the mortgage offer was issued.
After assessing our client's existing financial protection policies, which they had arranged directly with a large insurance provider, our specialist broker realised their income protection policy had been set up incorrectly.
After advising our clients to ask for clarification from their insurance provider that it would pay out in the event of a claim, they spotted the error. The provider agreed to refund 12 months' worth of monthly premiums. Our broker then arranged a life insurance and income protection policy to cover them in the event of a death or critical illness.
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.
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
15th Dec 2024 • By Aaron Strutt
Trinity Financial recently arranged a super quick £350,000 mortgage using a well-known lender offering competitively priced rates.
Our clients had sold their home and had a large deposit to put towards their new £700,000 property purchase.
They are both employed and working in the financial sector. They also received annual bonuses.
They wanted a mortgage lender to offer them a competitively priced rate, as they had a large deposit and did not need an income stretch to meet the affordability rules.
Trinity's broker arranged a five-year fixed rate of just over 4.25%. Like many borrowers taking a longer-term fix, they wanted payment security.
Trinity’s broker applied to a bank that recently upgraded its online system, enabling it to provide faster mortgages. In this case, the mortgage offer was produced in less than a minute!
As our clients were considered low-risk, had good incomes, and purchased a property without quirks, the lender produced a fast mortgage offer. It automated the checking process, so our clients' income and credit checks were confirmed online, along with the property valuation. This streamlined the process so a mortgage underwriter did not need to assess it.
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.
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
10th Dec 2024 • By Aaron Strutt
Trinity Financial recently arranged a £400,000 mortgage for a client who had just finished building his house.
The property was in a rural location, was worth over £1 million, had an energy performance certificate rating of B, and had two acres of land.
While the house was finished and watertight, our client needed to raise funds to pay for the landscaping. He also wanted to build an outhouse and swimming pool.
Did they have a complex situation?
Our client was employed with strong company accounts, and his income was from his family business. We were using his salary and dividends to prove his income.
As the property was newly built and in a rural location, some lenders felt it would be difficult to sell if they needed to recoup their funds. As the property had a newbuild warranty, some lenders were also not keen to issue a mortgage so quickly as it had just been finished.
Trinity's broker researched the market and found a leading building society happy with our client and the property, particularly as it was at such a low loan-to-value.
Was the rate particularly good?
After approaching several lenders and finding a suitable provider, Trinity’s broker secured a five-year fixed rate of around 4.25% with a £995 arrangement fee.
How long did it take to produce the mortgage offer?
The mortgage offer was produced within three weeks. The lender's valuer thoroughly inspected the property, and we had to provide the building certificates.
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.
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
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.
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:
Trinity Financial has access to a wide range of private banks providing £1million+ mortgages, including:
Equity release lenders
Specialist partners
We do not currently have access to:
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:
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.
