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Key features:

  • 1.55% five-year fix
  • £635,000 purchase
  • Income stretch mortgage

Our clients:

Our first-time buyer clients had found a property they liked and wanted help to secure a more mortgage suitable for limited company directors. They had a 40% deposit.

What were they looking for? 

They required an income stretch mortgage where the lender would take an average of their latest two years figures. They also wanted a competitively priced five-year fixed rate and a longer mortgage term to lower the monthly repayments.

Why was it difficult?

Most lenders do not offer five-times+ salary mortgages over a longer-term, particularly at best-buy rates.  

How did we help? 

Trinity’s broker applied to a lender offering one of the most attractive five-year fix mortgage rates. The lender provided 5.5 times salary income multiple over a 28-year term and was happy to lend to the self-employed. The bank produced a mortgage offer within ten days.

What was the rate?

The 1.55% rate was fixed until 31/01/2022, and it had a £999 arrangement fee. After the fixed-rate period, the mortgage reverts to the lender's standard variable rate, which is currently 4.24%. The overall cost for comparison is 3.9% APRC.

Call Trinity Financial on 020 7016 0790 to secure a 5.5 times salary 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.

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