How we research and check our content

How We Research and Check Our Content

When you read a mortgage rate update, lender comparison or case study on our website, you should be able to tell where the information came from and when it was checked. This editorial policy explains how we prepare our mortgage content and who to contact if something needs correcting.

Editorial contact · Aaron Strutt, Product and Communications Director

Who prepares our mortgage content?

Aaron Strutt works with banks, building societies, mortgage brokers and journalists to explain what changes in the mortgage market mean for borrowers. He has commented on mortgage lending for national newspapers and broadcasters, including BBC News and Sky News. You can find examples in our press commentary.

We draw on the experience of Trinity Financial’s brokers when explaining how lender criteria work in practice. This is especially relevant for £1 million-plus mortgages, private bank lending and applications that rely on bonus income, restricted stock units (RSUs) or overseas earnings.

Where do our rates and lending criteria come from?

We use lender product guides, intermediary criteria and rate-change notices as our starting point. When published criteria leave a question open, we seek clarification from the lender. For changes to the UK base rate, we refer to the Bank of England’s published decisions. When we use figures from an external report or trade publication, we identify the source.

A headline rate tells you only part of the cost. Where relevant, we give the initial deal period, product fee, maximum loan-to-value (LTV) and any eligibility conditions that materially affect who can apply. For large mortgages and private bank lending, we explain when terms are assessed case by case.

When do we review and update pages?

Mortgage news articles describe what was available or announced at the time of writing. We date time-sensitive figures so readers can see when they applied. We revisit guides and comparisons when material changes in rates or lending criteria affect the information on the page.

Lenders can change rates or withdraw products at short notice. If you’re considering a deal mentioned on the site, a Trinity Financial broker can check its current availability and eligibility for your circumstances.

How do we use AI in our editorial work?

We may use AI tools to organise research, structure drafts and prepare short summaries. A member of our team reviews the copy before publication. We check mortgage rates, criteria and calculations against the relevant source material and seek input from a broker when the article covers a technical lending point.

How do we present case studies and repayment examples?

Our mortgage case studies describe work our brokers have done for clients. We remove identifying details and explain what the client needed, what made the case unusual and how the broker helped. The terms reflect the circumstances and market at the time.

We label worked examples as illustrative and set out the assumptions behind repayment figures, including the loan amount, term, interest rate and repayment basis.

How do I report an error or send an update?

Email Aaron Strutt at aaron@trinityfinancialgroup.co.uk with the page link and the detail you believe needs updating. If you have a lender notice or another source, please include it. We’ll check the information and amend the page where needed. For concerns about the service or advice you received, use our complaints process.

Your home may be repossessed if you do not keep up repayments on your mortgage.