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Key features:      

  • £470,000 mortgage to purchase £800,000 property by the sea 
  • Second-home mortgage without early repayment charges    
  • 1.69% two-year tracker rate 

Our clients      

Our client asked for help to arrange a second home mortgage to purchase a property by the sea. He wanted a rate without early repayment charges, so he could sell his existing house if he wanted to without paying a large exit fee. He was employed and required a four times salary income multiple.    

How did we help?    

Trinity’s broker submitted the application to a bank offering cheap two-year tracker mortgages without early repayment charges. The rate would allow him to make lump sum overpayments and reduce the outstanding balance. The mortgage was arranged on an interest-only basis to minimise his monthly payments. The offer was produced in ten working days.

What was the rate?      

A 1.55% rate fixed until 31/01/2026, and after the fixed period it reverted to the bank's 3.59% standard variable rate. The overall cost for comparison is 3% APRC. The arrangement fee was £999, and early repayment charges applied. The mortgage had a 35-year term.     

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

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.

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