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Key features:

  • Large annual bonus
  • 35-year mortgage term
  • Super-cheap 1.49% two-year fix

Case details

Trinity Financial recently helped an investment banker and his wife buy a home in London.

The primary income earner received a large salary, with an annual bonus that was more than double the basic income.

They wanted a cheap two-year fixed rate with the option to make overpayments, also a long mortgage term to reduce the monthly costs. 

Solution

Trinity’s broker contacted the large loan lending team at a high street bank to get the application agreed.

After receiving proof of the least years income, the lender was happy to make a policy exception and provide the £960,000 mortgage. Most mortgage providers do not like it when the annual bonus is larger than the basic salary.

The bank offered the second cheapest two-year fixed rate on the market at the time and provided a 35-year mortgage term linked to his younger wife’s age.

The lender provided a free property valuation and a product with the option to overpayment 10% of the mortgage each year without charge.

What was the rate?

An intermediary exclusive fixed rate of 1.49% from completion up to and including 31 January 2022. The rate reverts to the lender’s standard variable rate, currently 4.19%, for the remaining mortgage period. The APRC applicable to your loan is 3.9%. There was a £999 arrangement fee. 

Call Trinity Financial on 020 7016 0790 to secure a hedgefund manager mortgage

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