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

Residential Mortgages

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

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Aaron Strutt's Blog
Mortgage News 10 February 2017
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Barclays providing 5.5 times salary mortgage offer to borrowers earning over £75,000

Barclays is providing 5.5 times salary mortgages to new and existing Premier and Barclays Wealth customers. 

Initially, the enhanced income multiple was due to end last year, although it has been extended with no set expiry date. 

The bank has raised the maximum income multiple for applications from 5 times salary to 5.5 times salary for all residential capital repayment mortgages.

Interest-only applications will not be considered, although the lender will potentially offer a 35-year repayment term to a maximum age of 70. This should lower the monthly costs.

If you do not have a Premier account, Trinity can arrange for a personal banker to contact you and open an account prior to the application being submitted. One applicant will need an annual income of £75,000 to qualify. If one applicant does not earn £75,000 you will need a joint income of £100,000 to qualify. You can also have £100,000 saved or invested with the bank. 

Our brokers also have access to a specific broker-only team regularly providing impressively fast mortgage offers.

Aaron Strutt, product manager at Trinity Financial, says: “Barclays 5.5 times salary mortgage offer has been popular with our clients, particularly as most high-street banks and building societies will lend between four and five times salary. They do not regularly offer mortgages over five times income. 

“Trinty has access to another lender offering up to 5.5 times salary mortgages providing clients earn over £80,000 - either individually or as part of a joint application. The lender has great rates and you do not need to open a premier account to qualify. The maximum loan is £500,000.”

To secure a 5.5 times salary mortgage call Trinity Financial on 020 7016 0790.

One in five contractors worry about qualifying for a mortgage

Contractors fear they will find it harder to qualify for a mortgage according to research by Accord Mortgages.

The survey commissioned by the broker-only lender, owned by the Yorkshire Building Society Group, said one in five (22%) contractors and self-employed workers believe the way they are paid makes it harder to qualify for a mortgage compared to employed workers.

It also showed nearly a third (29%) of contractors think banks and building societies perceive them as being a bigger lending risk. While the number of workers worried about being accepted for a mortgage is greatest (19%) among those with less than two years’ experience contracting. 

Aaron Strutt, product director at Trinity Financial, says: “Some of the biggest banks are very keen on contractors because they are often well-paid and experienced professionals.  

“We have helped a wide range of contractors, often when they have left employed roles and started working in the same line of business on a contract basis.”

Some banks have been running pilot schemes through brokers to test their systems and ensure contractor applications will go through smoothly. They are looking to catch up with the leading contractor lenders.

Accord Mortgages commissioned the survey of 250 contractors and self-employed workers and it was conducted by YouGov.

To secure a contractor mortgage, call Trinity Financial on 020 7016 0790.

Trinity secures access to Tesco Bank’s mortgage range

Trinity Financial has secured access to Tesco Bank’s limited panel of acceptable mortgage brokers.

The bank offers some of the most competitively priced rates on the market and it has some generous acceptance criteria. 

Tesco's mortgages are available to first-time buyers, home movers and those looking to remortgage. It allows generous regular or lump sum overpayments of up to 20% of the outstanding balance each year during the initial rate period, without having to pay an early repayment charge.

Borrowers looking to remortgage will benefit from free standard legal fees and a free standard property valuation. Tesco Bank is also issuing customers with Clubcard points as they repay their mortgage.

Aaron Strutt, product director at Trinity Financial, says: “Tesco is continuing its commitment to help as many customers as possible to buy their own homes. The bank is planning to provide more mortgages this year and the vast majority of its customers now use of a broker to select its rates.”

Tesco Bank was named Best First-time Mortgage Provider and Best Bank Mortgage Provider at the 2016 Moneyfacts Awards, as well as Best Variable Rate Mortgage Provider at the 2016 Personal Finance Awards.

To secure a mortgage through Tesco Bank call Trinity Financial on 020 7016 0790.

Santander launches its lowest ever five-year fix at 1.89%

Santander for Intermediaries has launched its lowest ever longer term fixed rate mortgage priced at 1.89%.

At the end of the fixed period, which expires on the 2 May 2022, the mortgage reverts to the bank’s 4.49% standard variable rate. The overall cost for comparison is 3.55% APRC representative.

The 1.89% rate has a £999 arrangement fee and 5% early repayment charges until 2 May 2022. Applicants will need a 40% deposit to qualify and the maximum loan is £1 million. 

Aaron Strutt, product director at Trinity Financial, says: “There are currently five lenders offering 1.89% five-year fixes and three with even cheaper rates.

“If you are looking for a longer term fixed rate, there is a huge amount of choice at the moment. Santander is one of the lenders still offering up to five times salary mortgages and it still provides interest-only.”

Representative example: A mortgage of £150,000 payable over 25 years, initially on a fixed rate until 02/05/2022 at 1.89% and then on a variable rate of 4.49% for the remaining 23 years, would require 62 monthly repayments of £627.78 followed by 238 monthly repayments of £791.20. The total amount repayable would be £227,227.96 made up of the loan amount, plus interest (£77,227.96) and fees of £999. The overall cost for comparison is 3.55% APRC representative.

The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

To secure a fixed rate mortgage call Trinity Financial on 020 7016 0790.

Santander launches 0.99% 18-month fixed rate mortgage

Santander for Intermediaries has launched an 18-month fixed rate mortgage priced at 0.99%.

At the end of the fixed period, which expires on the 2 December 2018, the mortgage reverts to the bank’s 4.49% standard variable rate. The overall cost for comparison is 4.10% APRC representative.

The 0.99% rate has a £1,499 arrangement fee and 3% early repayment charges until 2 May 2022. Applicants will need a 40% deposit to qualify and the maximum loan is £1 million. Interest-only is available to 

Aaron Strutt, product director at Trinity Financial, says: “Most lenders offer two, three, five and ten year fixes, it is unusual to see an 18-month fixed rate. Interest-only is available to certain clients.

“If you are looking for a short-term rate then it is a good option, but if you are planning to stay in the property it will probably make more sense to lock into a longer term fix.” 

After the 18-month period Santander will potentially provide another rate through its product transfer system although if rates are higher in two-years times it maybe more expensive.

Representative example: A mortgage of £250,000 payable over 25 years, initially on a fixed rate until 02/12/2018 at 1.89% and then on a variable rate of 4.49% for the remaining 23 years, would require 21 monthly repayments of £941.05 followed by 279 monthly repayments of £1,355.29. The total amount repayable would be £397,887.96 made up of the loan amount, plus interest (£147,887.96) and fees of £999. The overall cost for comparison is 4.10% APRC representative.

The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

To secure a fixed rate mortgage call Trinity Financial on 020 7016 0790.

Mortgage offers and decisions in principle

For many borrowers it is important to secure a 'decision in principle' or an 'agreement in principle' before they make an offer to purchase a property.

A decision in principle (DIP) or agreement in principle (AIP) provides a good indication to the client (and increasing the estate agent) they would qualify for a mortgage. However, it is not a mortgage offer and does not provide a guarantee of lending.

Initial agreements require a minimal amount of information, and the lenders use mortgage underwriters and property valuers to ensure the applicants and their properties meet their acceptance criteria.  

The agreement is typically valid for three months.  

What is a mortgage offer?

Once your offer to buy the property is accepted, you have passed the decision in principle and your application has been submitted, the lender will assess the case. When the lender is happy, and the property has been confirmed as sufficient security you will be provided with a mortgage offer.  

Mortgage offers typically last between three and six months. Although, some lenders have specific completion deadlines and set product dates. It is also worth noting, purchase and remortgage offers can be valid for different time periods.

Santander, HSBC and Yorkshire Building Society all provide six-month offer deadlines for purchases and remortgages. Halifax mortgages are set to the product expiry date.

What happens if the mortgage offer expires?

If your mortgage offer expires and you need to get it extended, the lender is likely to re-assess your application and potentially carry out a new credit score and another affordability assessment.  It may also carry out an updated property valuation.

Once your offer has been produced, it is not advisable to take out new credit cards or loans. If the lender checks you again and you have more debt or you've been declined for credit, it may affect the application. 

Trinity can help you secure a decision in principle

If you approach some of the high street banks and building societies, you can wait weeks for an appointment with an adviser. While some appointments can also take hours to complete.

If you call one of our brokers and provide us with the list of documents we require, if you are in a hurry we can secure a decision in principle on the same day.

Aaron Strutt, product director at Trinity Financial, says: “Most mortgage lenders are offering their lowest ever rates and if you approach one bank, it's advisers will not check the market and tell you if there are any cheaper or more suitable mortgages available to you.”

To secure a 'decision in principle' call Trinity Financial on 020 7016 0790.