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Case details

Trinity were approached by a leading banker who recently returned to the UK after living and working in Hong Kong for the last 10 years.

As he been out of the country for so long, he did not have a strong UK employment record or address history.

Solution

As our client was keen to secure a fast mortgage offer we approached a bank offering excellent large loan rates with a proven track record of providing larger loans efficiently.

We dealt directly with the banks premier team and they were happy with his income, even though it was limited in the UK. They were also happy with his track record of employment, despite it most being generated mainly in Hong Kong.

Many of the lenders expect borrowers to be in the UK for two years, although we approached one of the more flexible banks. 

After submitting the application, the mortgage offer was produced in 10 working days.

Property: House in south-west London

Value:  £3 million

Mortgage: £1.5 million

Rate: Fixed rate at 1.44% until 30/06/2017

APR: 3.8%

Lenders arrangement fee: £1,499

Mortgage term: 25 years

Repayment type: Mortgage taken on an interest-only basis

Loan-to-value: 50%

Reversion rate: 3.49% over the lenders base rate, which is currently 3.99%

Early repayment charge: 3% of the loan amount until 30 June 2017.

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

If you would like help to secure a large mortgage loan, call Trinity on 020 7016 0790.

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