skip to main content
Request a call back

Leave your contact details and one of our expert advisers will call you back shortly.

You can also complete our mortgage questionnaire for a more accurate initial response.

Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.


Trinity Financial recently arranged a fast £3,200,000 mortgage offer for two of our clients buying a large family home.

The couple both worked as stockbrokers in London and they were selling their existing home to raise the deposit.  

One of the conditions of their offer being accepted on the new property was to exchange within four weeks - so they had to act quickly.

To make the mortgage repayments more manageable, they required a part of the mortgage on interest-only.


Trinity’s broker approached the large loan processing team and discussed the application with an experienced mortgage underwriter. They were happy with the client’s income and employment record. 

Once the supporting documentation was provided to our broker, it was sent to the lender. The bank's credit committee agreed the application within five working days.

The lender provided a five-year fixed rate at 1.87% and was happy to have 50% of the mortgage on interest-only using the client's annual bonuses as a repayment strategy.

There was no need to transfer any assets for the lender to manage as part of the transaction.

Case details

Property type: Large house

Value: £4,300,000

Mortgage: £3,200,000,

Rate: 1.87% 31 October 2024

Reversion rate: The bank’s standard variable rate, currently 4.24%.

The overall cost for comparison is 3.6% APRC representative.

Lender’s arrangement fee: £995

Mortgage term: 30

Repayment type: Part interest-only and part capital repayment

Loan-to-value: 75%

Early repayment charge: 5% before 31/10/20, 4% before 31/10/21, 3% before 31/10/22, 2% before 31/10/23, 1% before 31/10/24

Overpayments: 10% per annum

Representative example: A mortgage of £1,000,000 payable over 25 years, initially on a 1.42% fixed rate until 31 October 2021 and then on a variable rate of 4.24% for the remaining 23 years, would require 26 monthly interest-only payments of £1,185 followed by 274 monthly payments of £3,538. The total amount repayable would be £2,001,896 made up of the loan amount plus interest £1,000,397 and £1,499 arrangement fee. The overall cost for comparison is 3.9% APRC representative.

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

Call Trinity Financial on 020 7016 0790 to secure a high-net-worth mortgage .


Get in Touch

Get in touch

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form or mortgage questionnaire and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Need some advice today?

Book a Consultation Mortgage Questionnaire