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Case details

Our client was keen to purchase a new family home and asked us to secure a fast mortgage offer.

As he needed to borrow over £500,000 he wanted us to approach a lender with generous income multiples.

He also wanted a lender offering low rates so that he could keep his monthly repayments as low as possible. 

Solution:

Trinity sourced a leading tracker mortgage and approached a lender happy to instruct the property valuation quickly to increase the speed of the application.

The lender was happy to offer over four times salary for £500,000 plus mortgages and take into consideration a mixture of salary and bonus income.

They were also happy to offer a 32 year mortgage term to make the monthly repayments as affordable as possible. 

Property: Four bedroom house in Kent.

Mortgage:  £550,000.

Rate: Two-year tracker rate at 2.14% - 1.74% over the Bank of England base rate.

APR: 3.8%

Lenders arrangement fee: £995 product fee and £265 lender admin fee.

Mortgage term: 32 years.

Repayment type: Mortgage taken on a capital repayment basis.

Loan-to-value: 85%.

Reversion rate: Lenders standard variable rate currently 3.99%.

Early repayment charge: 3% of the loan amount in year one, and 1% in year two.

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

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

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