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Key features:    

  • £616,000 mortgage agreed for self-employed accountant and insurance broker       
  • 1.53% two-year fixed rate mortgage to purchase family home   
  • Portfolio of properties in the background  

Our clients    

Our clients had been living in a flat in central London and decided to buy a larger house in Surrey to get more outside space. One of the borrowers was a self-employed accountant while the other applicant was an employed insurance broker.     

Why was it difficult? 

Once the couple had found a house to purchase they were under pressure from their estate agent to get their mortgage agreed. They wanted us to find them a lender providing cheap fixed rates for those with a 15% deposit and issue a five times salary income multiple. The lender also needed to accept portfolio landlords.

How did we help?  

Trinity's broker approached a large bank offering income stretch and fast mortgage offers. The bank provided funding for employed and self-employed clients, and portfolio landlords provided they could show the rental income on their bank statements covering the mortgage payments.  

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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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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