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 mortgage for a doctor requesting a longer-term fixed rate while still on maternity leave.

Our client was on maternity leave after recently having a baby and was purchasing a new family home with her partner. She asked for help to find a suitable lender.

As the couple intended to stay in their home for the foreseeable future and interest rates are low, their preference was for a 10-year fixed rate.


Trinity's broker approached a building society well-known for offering the most competitively priced long-term rates.

The lender had a good policy for pregnant women returning to work, providing they had a letter from their employer confirming the date they would be going back and how much they would be earning.
Many of the banks and building societies provide ten-year fixed rates with early repayment charges for the full ten-year. The fixed rate we recommended had exit fees for five-years, enabling borrowers to have long-term payment security without being tied-in for such a long time.

The lender provided a free property valuation and the mortgage offer was produced within a week.
Case details
Value: £870,000
Mortgage: £500,000
Rate: 2.35 fixed until 30/06/2029
Reversion rate: The bank’s standard variable rate currently 4.74%
The overall cost for comparison is 3.17% APRC representative.
Lender’s arrangement fee: £999
Mortgage term: 25-years
Repayment type: Full capital repayment mortgage 
Loan-to-value: 57%
Early repayment charge: Early repayment charges apply until 30 June 2024.
Overpayments: Up to 10% overpayments per annum.
Representative example: An interest mortgage of £500,000 payable over 25 years, initially on a 2.35% fixed rate until 30/06/2029 and then on a standard variable rate (currently 4.74%) for the remaining 15 years, would require 122 monthly repayments of £2,205.50 followed by 178 monthly repayments of £2,594.25. The total amount repayable would be £732,031.93 made up of the loan amount, plus interest (£230,847.50) and £999 (product fee), £0 (final repayment charge), £8 (completion fee). The overall cost for comparison is 3.17% 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 maternity leave 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