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Key features: 

  • Remortgage of main residence to release funds to build house  
  • 1.49five-year fixed rate 
  • Retained profit used for mortgage affordability calculations 

Our clients: 

Our clients ran their own companies and had a mixture of income generated from across the world.

What were they looking for?  

The couple wanted to remortgage their home to raise over £200,000 to build a two-bedroom property. The house was going to be in their garden and their parents were going to live in it. 

Why was it difficult? 

We needed to find a lender to use employed income plus the company's retained profit. Additionally, they want a lender happy for them to build in their garden. 

How did we help?  

Trinity's broker approached a bank offering fantastically cheap five-year fixes and it was happy to release the funds to build the property without splitting the title of the property. 

The mortgage was taken of a full capital repayment basis with the option to make lump sum overpayments each year.

What was the rate? 

fixed-rate of 1.49% until 30 June 2025. The rate reverts to the lender's standard variable rate of 3.54%. The overall cost for comparison is 2.7% APRC. The arrangement fee was £999 and early repayment charges apply for the full fixed rate term. 

Call Trinity Financial on 020 7016 0790 to secure a mortgage to build a property 

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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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