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The Prudential Regulatory Authority has amended its rules capping the number of high loan-to-income transactions by excluding lenders providing fewer than 300 mortgages a year.

Some lenders and mortgage brokers previously argued that high net worth lending was very different to mainstream lending, making the 15% cap on residential mortgages above 4.5 times income inappropriate for many private banks. 

Paul Smee, director general of the Council of Mortgage Lenders, says: “We are pleased that the PRA listened to the CML and other organisations who argued that the high loan-to-income lending limit was anomalous for niche lenders in the high net worth lending market.”

Trinity has access to a host of private banks and regularly create mortgage solutions for wealthier clients, particularly if they are asset rich and cash poor. 

If you would like help to secure a large mortgage loan, call Trinity Financial on 020 7016 0790.

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