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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 17 October 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.

Nationwide scrap free legal service for remortgages and increase cashback to £500

Nationwide Building Society has stopped providing a free legals service for its remortgage customers, preferring to increase its cashback incentive from £250 to £500.

Some conveyancers have been particularly busy with applications passed to them by the largest banks and building societies and there have been delays getting them through. As a result, Nationwide has has acted to withdraw the free legals option.

Most of the lenders provide free legals or £250 cashback when you remortgage to them, so Nationwide's £500 cashback offering is generous.

If you are in a rush to complete your remortgage and you can find a conveyancor offering low fees to complete the legal work, there is a chance you will have some cashback left over.

Trinity Financial regularly introduces clients to Premier Property Lawyers and they typically charge £300 to complete the remortgage work for freehold properties.

For help to remortgage to a new lender call Trinity Financial on 020 7016 0790.

HSBC launching new mortgage submission system for brokers

HSBC is launching a new and significantly improved platform to enable selected brokers to submit mortgage applications.

The platform will completely replace the bank's current system and ensure certain brokers get faster lending decisions without impacting credit scores.

Aaron Strutt, product director at Trinity Financial, says: “More of the lenders are investing in systems and trying to improve the technology behind automation and artificial intelligence.

“Banks and building societies are looking at ways to make it easier to get mortgages through, potentially reducing risk and cutting down on human intervention where possible.”

HSBC is offering some of the most competitively priced mortgage rates in the market, and the bank is one of Trinity’s most popular providers. Our brokers have access to Rachel Vernile and she is a highly efficient business development manager, regularly helping to get complex and high net worth mortgages agreed.

HSBC’s new system will be operational later in the year.

Call Trinity Financial on 020 7016 0790 to secure an HSBC mortgage

M&S Bank planning to enter mortgage market

M&S Bank has announced it is expecting to start offering mortgages in early 2018 if it receives regulatory approval.

After launching the M&S Bank brand in 2012, the mortgage market is the next logical step for the bank as it already provides a full range of financial products, including credit cards and loans.

Aaron Strutt, product director at Trinity Financial, says “M&S will be in partnership with HSBC and this means its mortgages are likely to be very competitively priced.

“The lenders are pushing to increase the number of mortgage applications they process so it will be entering a tough market.”

M&S Bank plans to offer mortgage products for first-time buyers, as well as home movers, and full details will be available in the New Year.

The bank says its mortgages will be available directly and via brokers.

To secure a mortgage call Trinity Financial on 020 7016 0790

Barclays targeting £500,000+ buy-to-let mortgages with 1.50% rate

Barclays has launched a super-low buy-to-let mortgage in a move to target landlords looking for larger loans.

The buy-to-let fixed rate is as low as 1.50%, and it is available for buy-to-let mortgages between £500,000 and £2,000,000.

At the end of the fixed period, which expires on the 31 January 2020, the mortgage reverts to the Barclays Bank Base Rate plus 4.44% - currently 4.74%. The overall cost for comparison is 4.28% APRC representative.

The 1.50% rate has a £2,450 arrangement fee and early repayment charges until 31 January 2020. Applicants will need a 40% deposit to qualify.

Aaron Strutt, product director at Trinity Financial, says: “If you are looking for a short-term large buy-to-let mortgage it is hard to look past Barclays rate, especially as the bank provides a free property valuation and typically covers the cost of remortgaging.

“For those who prefer more payment security, Barclays has a five-year fix with the same loan size limits although it is 0.67% more expensive. Bank of Ireland and Platform offer even lower fixed rates, but the maximum loan size is capped at £500,000.”

Representative example: A mortgage of £500,000 payable over 25 years, initially at a fixed rate until 31/01/2020 at 1.50% and then on a variable rate of 4.74% for the remaining 23 years, would require 25 monthly repayments of £1,999.68 followed by 275 monthly repayments of £2,776.07. The total amount repayable would be £813,411.25 made up of the loan amount, plus interest (£313,411.25) and fees of £2,450. The overall cost for comparison is 4.28% APRC representative.

Call Trinity Financial on 020 7016 0790 to secure a buy-to-let mortgage

Coutts launch residential and buy-to-let offset mortgages

Coutts has launched two tracker rate offset mortgages for residential and buy-to-let clients.

The Offset Select Mortgage product is available to private individuals and charitable trusts. It allows clients to offset up to 50% of the mortgage balance although, after that, every £1 offset deposit will count as 50p towards offsetting.

Clients already holding foreign currency accounts with Coutts can offset the balances against their mortgage if they are held in GBP, EUR or USD.

Aaron Strutt, product director at Trinity Financial, says: “Most banks do not provide the facility to offset foreign currency deposits in up to ten noninterest-bearing deposit accounts linked to the mortgage.

“The borrower can elect to use their deposits towards either reducing the mortgage amount or their monthly payments. The two-year tracker rates are compeitively priced although the residential product has a 0.5% arrangement fee, rising to 1% of the loan amount for buy-to-let. The minimum loan size is £750,000.”

The Family Building Socitey launched an offset mortgage for buy-to-let borrowers earlier this year.

Call Trinity Financial on 020 7016 0790 to secure an offset mortgage

Santander offering 1.79% five-year fix remortgage rate

Santander is offering one of the most competitively priced five-year fix remortgage rates.
 
The 1.79% rate is fixed until the 02 February 2023. After the fixed period, it will revert to the lender's standard variable rate of 4.49%. The overall cost for comparison is 3.48% APRC representative.
 
There is a £999 arrangement fee and applicants will need a 40% deposit to qualify. Early repayment charges apply for the fixed rate period and the maximum loan size is £1 million.
 
Santander will pay for the property valuation and legal fees, and it provides interest-only mortgages to those using the sale of the property as a repayment vehicle. They will need at least £150,000 equity in their property.
 
The bank is currently providing mortgage offers in just over eight days.
 
Representative example: A mortgage of £250,000 payable over 25 years, initially on a fixed rate for five years at 1.79% and then on a variable rate of 4.49% for the remaining 23 years, would require 62 monthly repayments of £1,034.26 followed by 238 monthly repayments of £1,315.74. The total amount repayable would be £378,494.24 made up of the loan amount, plus interest (£127,270.24) and fees of £999. The overall cost for comparison is 3.48% APRC representative.
 
The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.
 
To secure a fixed or tracker rate remortgage call Trinity on 020 7016 0790.