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Key features:    

  • £2 million mortgage    
  • 1.55% five-year fix   
  • Client told by another broker it would take two weeks to book mortgage consultation    

Our client    

Our client was as an accountant working for a large firm in London and he was in a rush to purchase a large property he had agreed to buy. He had approached one of the most prominent online mortgage advisers but was told it would take two weeks to book an appointment. He had been dealing with the firm for years.

Why was it difficult? 

He was looking to borrow 75% of £2.7 million, and he needed a lender to use his bonus income to secure a large enough loan size. As a result of the coronavirus crisis, he had taken a temporary reduction to his income.  

How did we help?  

Once the enquiry came through, our adviser contacted him within an hour to find out precisely what he required and when he needed to complete the purchase. Our broker found a lender to accept 100% of his bonus using the two-year track record of the payments. The lender was also happy his income would return to normal over the coming months. 

What was the rate?    

A fixed-rate of 1.55% until 31 July 2025. The rate reverts to the lender's standard variable rate of 3.59%. The overall cost for comparison is 2.8% APRC. The arrangement fee was £999, and early repayment charges apply for the full fixed rate term. The mortgage had a 25-year term.   

Call Trinity Financial on 020 7016 0790 to secure a mortgage or book a consultation 

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