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Case details:

As a banker our client receives a good basic income and a large bonus.  

He was keen to purchase a new home and asked us to find a lender happy to take bonus income in to account with generous affordability calculations.   

Solution:

Trinity approached a bank happy to take 50% of bonus income into consideration, providing the client has a track record of receiving it.

As the chosen mortgage does not have any early repayment charges, the client is free to lock into a fixed rate when the Bank of England raises base rate.

He is also able to refinance after the planned property refurbishment works have been completed 

Property:  Located in south-east London

Loan amount:  £450,000

Rate: Two-year tracker at 1.49% giving a pay rate of 1.99%

APR: 3.8%

Lenders arrangement fee: £999

Mortgage term: 25 years

Repayment type: Mortgage taken on a full capital-repayment basis

Loan-to-value: 80%

Reversion rate: 3.49% over lenders base rate, currently 3.99%

Early repayment charge: £80 early repayment charge

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

If you would like help to secure a mortgage, call Trinity on 020 7016 0790. You can also email: enquiries@trinityfinancialgroup.co.uk

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