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Case details 

Securing a higher loan to value mortgage for a £1 million plus mortgage can be difficult, especially as many lenders prefer borrowers to put down at least a 25% deposit in order to access a larger loan.

Our client wanted to purchase a new home in Surrey for his family to live in and asked us find a lender willing to help. 

He had a 17% deposit and also preferred to have no early repayment charges.

Solution:

Trinity approached a niche building society specialising in mortgage loans for borrowers with smaller deposits.

The society was happy to lend the client over £1 million as he had a good track record of income while working at a multinational company based in London.  

Property: House in Surrey

Value: £1.3 million

Mortgage: £1.1 million

Rate: 3.89% discounted rate for two years. There is a 2.19% discount from the lenders standard variable, which is currently 6.08%.

APR: 5.8%

Reversion rate: The lenders standard variable rate, currently 6.08%.

Lenders arrangement fee: £5,465 product fee added to the loan amount.

Mortgage term: 25 years

Loan-to-value: 83%

Early repayment charge: A redemption admin fee of £150 is payable.

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

Call Trinity on 020 7016 0790 to secure a low deposit mortgage. 

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